Leisa Johnson - Your Home Loan Specialist, PrimeLending NMLS# 201278

04/13/2025

🏡✨Your mortgage payment is made up of four parts known as PITI (principal, interest, taxes, insurance). Here’s the tea about the T part of PITI.

Depending on the terms of your mortgage, your lender will estimate what your annual property taxes will be and divide it equally across your monthly mortgage payments. The funds for these payments will come from your escrow account. However, if property tax payments aren’t part of your mortgage agreement, you will need to pay your property taxes directly to your local government.

Understanding how property taxes impact your mortgage is just one step of the process. Let us help you navigate your journey to homeownership.🏡✨

04/11/2025

🏡✨Lowering your mortgage rate can make a big difference in your monthly payment and long-term savings. With the right approach, you can improve your chances of securing a better rate. Here are a few ways to get started:

• Boost Your Credit Score — Make on-time payments, avoid opening new credit accounts before applying, and check your credit report for errors.
• Increase Your Down Payment — A higher down payment can reduce your loan-to-value ratio and improve your loan terms.
• Lower Your Debt-to-Income Ratio — Paying off small loans or credit balances can improve your debt-to-income ratio, making you a stronger borrower.
• Consider a Rate Buydown — Paying points upfront can reduce your interest rate and monthly payment.
• Choose a Shorter Loan Term — A 15-year loan often comes with a lower rate than a 30-year option.

Even small adjustments can lead to big savings. If you're ready to see what’s possible, let’s talk about your options.✨🏡

Give me a call!

04/04/2025

04/03/2025

Home affordability is about more than just the price of a house. It involves the full financial picture and what fits within your budget. If you're planning to buy, here are a few key factors that can impact what you can afford:

• Interest Rates — Even a small change in rates can affect your monthly payment.
• Down Payment — A larger down payment can lower your loan amount and may reduce mortgage insurance costs.
• Credit Score — Higher scores can help you qualify for better loan terms and lower interest rates.
• Debt-to-Income Ratio — Lenders look at your monthly debt compared to your income to determine how much you can borrow.
• Property Taxes & Insurance — These costs vary by location and should be factored into your budget.

Understanding these factors can help you make smart financial decisions before you buy. If you want an idea of what you can afford, try my free home affordability calculator. Comment below and I’ll send you the link!

04/01/2025

Did I have you fooled for a second? While your pet may not be able to cosign your mortgage, we do offer over 400 home loan programs to help you give your pet the backyard of their dreams. I’m PAW-sitive you’re going to find something that works for you and your fur babies. DM today to get the ball rolling.

03/31/2025

🏡🏡Ready to spring into a new home this season?
✨Use this checklist to get moving:

• Get organized — Gather your documents, get qualified*, and set a budget. I can help!
• Make a wants vs. needs list — Sit down with everyone in your household and define what’s essential and what’s a bonus.
• Start your search — Browse listings online and save the ones that stand out.

✨🏡✨🏡A few extra tips: Keep an open mind, don’t overlook fixer-uppers, trust your agent, and stay patient — everything has a way of working out! If you're thinking about buying, DM me and we can talk about your options.✨🏡✨🏡

03/24/2025

🏡✨💛 IT'S BACK!
Palmetto Heroes program is funded and will not last long with these LOW rates!

✨FHA/VA/USDA: 4.875%
✨Conventional: 5.375%

Call me now for more information !!!!

03/08/2025

The housing market is all about supply and demand. And traditionally, both those numbers start to climb during the Spring. More homes on the market are a good sign that demand for homes is high. Plus, the more homes that hit the market, the more you may have to choose from.

Want to set yourself up for success in today’s market? The best way is with an approval letter* from PrimeLending. You’ll know what you can afford, be prepared to act quickly and be able to show sellers you’re serious.
Contact me today to get approved for a mortgage.

*Approval means an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply.

03/06/2025

Help your VA clients save and close more deals this spring! With PrimeLending’s Spring Into Savings Buydown Program, a limited-time 1-0 temporary buydown* on VA purchase loans, we’re reducing the effective interest rate and mortgage payments for the first year. Plus, I can combine this offer with our No VA Lender Fees** promo to stack their savings.

Don’t miss out—this opportunity is only available for a limited time!

Contact me today and mention promo code SPRING SAVINGS to learn more.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 2/1/25 and 4/30/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans.
Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.
** All lender closing costs such as origination, processing, underwriting, and closing will be waived, 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 6/30/2025. Savings only applies to direct originations made by

03/04/2025

🏡🏡Homeowners, tax season is here!
Don’t miss these potential deductions*:

• Mortgage Interest
• Property Taxes
• Home Office
• Energy-Efficient Upgrades
• Home Improvement Loan Interest
• Mortgage Points

Make sure you’re getting the most out of homeownership this tax season! As always, consult a tax professional for advice specific to your situation.✨✨✨

*PrimeLending is not authorized to give tax advice. Please consult your tax adviser for guidance on your specific tax situation.

03/03/2025

✨🏡Looking to enhance your home's appeal and functionality? These 5 upgrades can make a meaningful impact:

• New Garage Door – Refreshes your home’s exterior and improves its overall look.
• Stone Veneer Exterior – Creates a polished and high-end appearance.
• HVAC Upgrade – Improves comfort, reduces energy costs, and can be a key selling point.
• Outdoor Enhancements – Updated patios, fire pits, and landscaping create inviting spaces for living.
• Smart Home Tech – Programmable thermostats, security systems and smart lighting add convenience and modern appeal.

If you're considering home upgrades, let’s discuss financing options that can help you bring your vision to life. Send me a message to explore your options.✨🏡