PrimeLending - Jacksonville

PrimeLending - Jacksonville PrimeLending is your mortgage expert and helps you find the best home financing. Contact us now! Don't believe us? Contact us today!

PrimeLending, A PlainsCapital Company - Jacksonville is your expert for mortgage, refinance, and renovation loans for over 35 years. We care about your new milestone and will guide you through each step of the process. With resources from mortgage calculators, in-depth loan articles, and a breakdown of our loan process, we can help you get one step closer to your future home. Our team doesn't just

care about finding you a home, we want to help you find your dream home with the best financing available today. Check out the thousands of reviews from happy homebuyers and customers! We're excited to get to know you and your home needs.

05/01/2025

A reverse mortgage* can be a game-changer for homeowners 62 and older. It lets you turn your home’s equity into cash — without selling or making monthly mortgage payments. Instead, repayment happens when you sell or move out.

This can give you more financial freedom to cover daily expenses, medical bills or even long-awaited home upgrades, all while staying in the home you love. But like any financial decision, it’s important to understand how it works and what to expect.

Want to see if a reverse mortgage is the right fit for you or a loved one? DM me — I’ll walk you through the details and answer any questions you have.

*These are brokered loan products. Not available in the following states: NY or NC. All credit decisions for brokered loan products will be made by the third-party lender. Restrictions and limitations apply. Please see https://www.primelending.com/refinance/reverse-mortgage for additional information.

The equity in your home isn’t just a number — it’s a tool that can help you make important upgrades. Whether you want to...
04/30/2025

The equity in your home isn’t just a number — it’s a tool that can help you make important upgrades. Whether you want to remodel your kitchen, add more space or tackle repairs, a home equity loan can help cover the costs.

This option allows you to borrow against your home’s value with a fixed rate and predictable monthly payments, making it a smart way to finance renovations.

If you're thinking about making changes to your home, let’s talk. I can you through the home equity loan process and help you get started.

*Source: https://www.corelogic.com/intelligence/homeowner-equity-insights-q3-2024/

Thinking about moving but not sure if it’s the right time? Renovating might be a better option. Updating your current ho...
04/29/2025

Thinking about moving but not sure if it’s the right time? Renovating might be a better option. Updating your current home can give you the space, style and functionality you need — without the stress of packing up and relocating.

Here are a few ways to make your home work for you:

- Expand your space — Add a room or finish the basement to create more living area.
- Upgrade key areas — A kitchen or bathroom remodel can add both comfort and value.
- Improve energy efficiency — New windows, insulation, and HVAC systems can lower costs.
- Boost curb appeal — Fresh siding, landscaping, and a new front door can transform your exterior.

Let’s talk about loan options that can help make your renovation happen. Reach out today to get started.

The most well known upfront cost of buying a home is the down payment. But, what else should you be saving up for? In ad...
04/28/2025

The most well known upfront cost of buying a home is the down payment. But, what else should you be saving up for? In addition to your down payment, you’ll need to plan for these upfront homebuying costs:

- Closing costs — Typically 2% to 6% of the home’s purchase price and includes appraisal, inspection and title search fees, among others.
- Reserves — These are funds are like a financial cushion so you can still make your mortgage payments if other unexpected expenses arise.
- Moving costs — Some people hire professional movers, which comes at cost. But, even if you choose to move yourself, there will still be costs of buying moving supplies and renting a moving truck to take into account.

Have other questions about your upfront mortgage fees? DM with what’s on your mind.

04/25/2025

It’s still early spring, but now is the perfect time to start getting your home ready for summer. Here are some renovation projects you can tackle so that you can enjoy some fun in the sun:

- Add or update a deck or patio that will be perfect for bonfires and s’mores
- Remodel the bathroom so you have a spa-like retreat after a day of summer lawn care
- Install a new HVAC system so that your AC can keep up with the hotter weather
- Upgrade to energy-efficient windows to help keep your home cooler and your utility bill lower
- Repair or replace your roof before summer storms roll in

If you’re thinking about making home upgrades this spring, a renovation loan can help cover the costs and make the process easier. Get in touch today to explore your financing options and get started on your home improvements before summer arrives.

Pro Tip: Never skip the appraisal when buying a home. Why? An appraisal determines the fair value of a home so that you ...
04/24/2025

Pro Tip: Never skip the appraisal when buying a home. Why? An appraisal determines the fair value of a home so that you don’t end up overpaying on a property. Here are the ins and outs of how home appraisals work:

- The appraiser considers factors like the property’s location, size, condition and recent sales comparable properties
- The cost of an appraisal varies based on property and location
- Typically a borrower pays the appraisal fee as part of their closing costs

Have appraisal or mortgage questions? Drop them in the comments.

Life happens, and sometimes big expenses come out of nowhere. Whether it’s medical bills, home repairs or another major ...
04/23/2025

Life happens, and sometimes big expenses come out of nowhere. Whether it’s medical bills, home repairs or another major cost, a home equity loan* can give you access to the funds you need — without resorting to high-interest credit cards or personal loans. Here’s why a home equity loan can be a smart option:

- Fixed Interest Rate — Predictable monthly payments make it easier to budget.
- Lump Sum Payout — Get the full amount upfront to cover your expenses.
- Lower Interest Rates — Home equity loans typically offer better rates than credit cards or unsecured loans.
- Use It However You Need — Whether it’s an emergency or a planned expense, the funds are yours to use.

If an unexpected expense has come up and you’re exploring your options, let’s talk. I can walk you through the process and help you find the right solution.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

This Earth Day, let’s give back to the place we all call home!Here are a few easy ways to make a difference:- Plant some...
04/22/2025

This Earth Day, let’s give back to the place we all call home!

Here are a few easy ways to make a difference:

- Plant something green — a tree, flowers or even a small herb garden.
- Cut back on waste — recycle, compost or donate items instead of tossing them.
- Use less energy — turn off lights, unplug devices and opt for reusable products.
- Join a local clean-up — gather friends and family to help beautify your community.

Every small action adds up to a big impact. How are you celebrating Earth Day this year?

Buying a home is exciting, but one of the biggest questions buyers have is: How long does it take to close? On average, ...
04/21/2025

Buying a home is exciting, but one of the biggest questions buyers have is: How long does it take to close? On average, closing on a home takes 30 to 45 days*, but at PrimeLending, we work to speed up the process so you can get the keys sooner. With our streamlined application, efficient processing and expert guidance, we help eliminate delays and keep everything on track.

Here’s what to expect:

- Qualification** — Get ahead with an estimate of how much you can afford before making an offer.
- Processing & Underwriting — We handle the paperwork and approvals quickly to keep things moving.
- Closing Day — Sign the final documents and make it official!

If you’re thinking about buying, don’t let the timeline hold you back. Send me a DM and I’ll walk you through every step to make the process as smooth and fast as possible.

*Fast closing and processing is dependent on many factors including receiving timely documentation from the borrower, your experience will vary.

**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.

Your mortgage payment is made up of four parts known as PITI (principal, interest, taxes, insurance). Here’s the tea abo...
04/18/2025

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.

Lowering your mortgage rate can make a big difference in your monthly payment and long-term savings. With the right appr...
04/17/2025

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.

Building a new home is exciting, but there’s a lot to consider to make sure the process goes smoothly. Here are a few ke...
04/16/2025

Building a new home is exciting, but there’s a lot to consider to make sure the process goes smoothly. Here are a few key things to keep in mind:

- Set a realistic budget — Factor in upgrades, unexpected costs, and long-term expenses.
- Choose the right builder — Research reviews, tour past projects, and ask plenty of questions.
- Think about functionality — Design a layout that fits your lifestyle now and in the future.
- Understand your loan options — Construction loans work differently than traditional mortgages, so it’s important to know what to expect.

If you’re planning to build and need guidance on financing, let’s talk. I can walk you through your options and help you get started with confidence. DM me for more info.

Address

8665 Baypine Road Suite 120
Jacksonville, FL
32256

Telephone

+19042960301

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