Ryan Miles - Mortgage Banker NMLS# 184358

06/27/2024

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. What factors play into how rates are determined? Let's talk about what you can control and the things you can’t!

Out of your control:
Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money for the consumer.


What you CAN control:
Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower.


Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!

03/27/2024

📢 No lender fees* on VA loans are back! Military families make enormous sacrifices day in and day out. You deserve a streamlined, affordable mortgage experience, which is what we provide at PrimeLending. It's our honor to help guide veterans, active duty and their spouses through the VA process, ensuring you can take advantage of the exclusive benefits you've earned:

-No Down Payment
-No Lender Fees *
-Lower Interest Rates
-Flexible Borrowing Terms
-No PMI

Interested in taking advantage of this amazing offer? Send me a DM and let's chat!

*All lender closing costs such as origination, processing, underwriting, and closing will be waives, borrower is still responsible for third party fees such as VA funding fee, title, and appraisal etc. Down payment waiver is based on VA eligibility. This offer is valid until 12/31/2024. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions, and it not available on loans obtained through mortgage brokers. Only one offer per loan transaction is available, and savings cannot be combined with any other offer. Savings will reflect on Closing Disclosure at closing. Borrower must lock their loan before 12/31/2024.

05/29/2023

05/19/2023

📢 Breaking News!

Ryan Miles and his amazing team just hit it out of the park! 🎯 ⚾️ They managed to secure a clear to close on a file within a mind-blowing 24 hours of RESPA! ⏰💪
The file was originally sent over from Rocket Mortgage 🚀, who had doubts about meeting the 17-day closing deadline. Ryan Miles and his team went the extra mile to save the day! 👏

Shout out to Susie Cequina for an awesome job on negotiations, which allowed for an appraisal waiver!!

05/03/2023

As a renter, your monthly payment may be helping to pay off your landlord's mortgage while building equity in their property.

Renting can still be a good option for many, however, if you have the means to save for a down payment and qualify for a mortgage, owning a home can provide a sense of stability and financial security that renting cannot.

If you’ve been thinking about your own path to home ownership, connect with me today!

03/27/2023

Congrats Michelle on your purchase!! 🎉 Thank you Susie Cequina for the great team work!

03/03/2023

Great news for VA borrowers! 🎉

Are you considering using your VA Home 🏡 Loan benefits this year? If not you should!

Beginning April 7, 2023, new VA homebuyers will pay less in funding fees. 📉

Contact me for more details. 📱 806-441-3902

Home Loans Made Simple ✔ Keeping it Simple for You.

Source:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-23-06.pdf

01/20/2023

Happy first time buyer!

Had a great time working with Zack!

Thank you for the referral Susie!
biggsrealty.com

12/27/2022

Happy first time homeowner! Had a great time working with Samantha! Congrats 🍾!!

01/15/2020

Bring peace and tranquility to your home with Pantone's Color of the Year, Classic Blue! Here are some ideas to get you started:

- Paint an accent wall in your home
- Transform furniture pieces with a new shade
- Add small accents like pillows and blankets to your living room
http://tinyurl.com/wa8exjr/

01/07/2020

Have you started thinking of your resolutions for 2020? 🤔 Be sure to include a few for your home! Here are a few ideas to help you brainstorm:

- Add curb appeal with a new door
- Update bathrooms
- Renovate your kitchen
- Create a seasonal cleaning list
- Donate household items/furniture you no longer use
http://tinyurl.com/yjaf4tkc/