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Wendy Ross Prater, NMLS: 147192

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United States
Daytona Beach, FL
Wendy Ross Prater, NMLS: 147192

Hello! I’m your dedicated home loan professional, Wendy Ross Prater. I offer smart, affordable loan options to help you achieve your goals

Whether you’re ready to refinance, renovate or buy a new home, I’m here to help guide you through the process. I offer smart, affordable loan options to help you achieve your goals. PrimeLending NMLS ID: 13649 I’m Wendy Ross Prater, NMLS 147192, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. primelending.com/legal Equal Housing Lender

11/04/2026

Wondering how you’re going to save up for a down payment? You may be able to cover some or all of your down payment with help from a down payment assistance program.*

*Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

11/02/2026

Fall In Love Theme
There's something special about finding a place to call your own, especially when your financing comes with a little extra breathing room.

If the seller of a home is willing to pay for a temporary buydown, homebuyers can enjoy a lower effective interest rate and reduced monthly mortgage payments for the first 1, 2, or 3 years of their loan, depending on the program. That means more room in your budget to settle in, get cozy, and make your new house feel like home.

Ready to turn over a new leaf in your homeownership journey? Let's explore how a seller-paid temporary buydown could work for YOU!

10/30/2026

If your home is worth more than what you owe on your mortgage, you may be equity rich too.

And if you have a renovation or other major expense putting pressure on your savings, you may be able to use that equity to help give your budget some relief.

10/28/2026

Wondering if you should get qualified or approved before you house hunt? A qualification* gives you an idea of what you can afford, an approval** tells you exactly how much you could spend.

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

**Approval indicates an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit; final approval is subject to underwriter and property conditions and is voided by changes in borrower’s credit, loan program, or unforeseen circumstances beyond lender’s control.

10/26/2026

Outgrowing your current home doesn't automatically mean it's time to move.

Before you start scrolling listings, ask yourself:

What would a renovation cost?

What would a move cost?

How would your monthly payment change?

Are you solving a space problem or a lifestyle problem?

Does your current home still meet your long-term needs?

Before assuming you need to move, make sure you've priced both options. Get a clearer picture of your options before deciding your next move.

10/23/2026

“What if rates drop after I buy?”

It’s a fair question. But waiting for the “perfect” rate can also mean putting your homebuying plans on hold indefinitely.

No one knows exactly where rates are headed. What you can know is whether buying makes sense for your budget and goals today. And if rates drop significantly in the future, refinancing may be an option.*

*Refinancing is subject to qualification, costs and market conditions.

10/21/2026

Love the Location. Not the House? We Can Work With That.

You found the neighborhood. The school district. The commute. Maybe even the street you’ve been hoping for.

The only problem? The move-in ready homes may be outside your budget.

A renovation loan could open up more possibilities by allowing you to purchase a home that needs some work and finance eligible improvements along with the home purchase in one loan.

Instead of paying a premium for someone else’s renovations, you may be able to buy the potential and make it your own.

10/19/2026

Buying a home? Closing costs and cash to close aren’t the same thing.

Closing costs are the fees and expenses associated with your mortgage and home purchase. Cash to close is the total amount you’ll need to bring to closing, which can include your down payment, closing costs and other adjustments, minus applicable credits or deposits.

Knowing the difference can help you plan ahead and avoid surprises at the closing table.

10/16/2026

Thinking about applying for a mortgage? A little preparation can go a long way.

Before you apply, consider a quick financial checkup:

- Review your credit report

- Keep credit card balances manageable

- Make payments on time

- Avoid opening new credit accounts when possible

A few smart moves now may help set you up for a smoother home financing experience later.

10/14/2026

It just may look a little different than you imagined.

We know today’s market can feel challenging, but we also see buyers finding ways forward every day. That might mean exploring a different neighborhood, new construction, a home with a little potential, or a loan option you didn’t know was available.

Address

140 S. Beach Street #405
Daytona Beach, FL
32114

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://lo.primelending.com/Wendy.RossPrater

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