Bob Guertin, NMLS: 324605, Loan Officer - PrimeLending

Bob Guertin, NMLS: 324605, Loan Officer - PrimeLending Home Loans Made Simple®
PrimeLending NMLS ID: 13649 At PrimeLending, we are Home Loans Made Simple®. primelending.com/legal

Equal Housing Lender

Home Loans Made Simple®

PrimeLending NMLS ID: 13649

I'm Bob Guertin, NMLS: 324605, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. For over three decades, we have helped people buy, refinance and renovate their homes. PrimeLending’s loan officers give customers personal attention and explain their options every step of the way. We have straightforw

ard processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and earn our customers’ trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries.

Wait or Buy?Playing the waiting game with mortgage rates? You'd like to buy but ideally you want to wait for a lower int...
05/13/2024

Wait or Buy?
Playing the waiting game with mortgage rates? You'd like to buy but ideally you want to wait for a lower interest rate – I totally get it! Here are my two cents about why waiting for rates might not be the best idea if you can afford to buy sooner rather than later:

-As we saw in 2020 and 2021, when mortgage rates dropped more buyers entered the market resulting in home price increases and bidding wars. No doubt that potential home buyers that have been priced out of today's market will be itching to buy once rates come back down again. You may want to avoid the competition from other buyers flooding the market.

-While waiting for rates to come down, you might be subject to rising home prices making the overall cost of homeownership more expensive. Not only have home prices increased but rent prices have increased too. You can lock in a steady mortgage payment now and enjoy the equity that you build in the years to come.

-Just waiting can be stressful. Analyzing market trends and monitoring the housing market can be draining. Additionally, if you have specific time constraints (like your lease ending) waiting for rates may not be feasible.

Ultimately, deciding to wait or not to wait depends on your individual circumstances. Chat with a financial advisor or send me a DM to help you weigh the pros and cons!

Attention Homeowners! 📢 If you've been contemplating listing your home for sale, now's the time to seize the opportunity...
04/26/2024

Attention Homeowners! 📢 If you've been contemplating listing your home for sale, now's the time to seize the opportunity!
Don't wait for the perfect moment—create it!
Join the wave of homeowners making moves and capitalize on the demand in today's housing market.
Someone might be dreaming of your house as their ideal home, offering you the chance to move to a bigger place or perhaps downsize. I can help you explore your home loan options for your new home, contact me today!

Just in time for the Spring buying season we are waiving our lender fees for our Veterans when they are doing a VA loan....
03/28/2024

Just in time for the Spring buying season we are waiving our lender fees for our Veterans when they are doing a VA loan. It is the least we can do to support those that sacrifice so much for all of the rest of us! We even have special VA loans to include the cost to renovate the home upfront when they are purchasing it or doing renovations to a home they currently own. Still zero down payment required!

Congrats to Vonda and Ezekiel on closing on their beautiful 1st home today! They worked so hard to get us what we neede...
03/08/2024

Congrats to Vonda and Ezekiel on closing on their beautiful 1st home today! They worked so hard to get us what we needed and are so deserving to be homeowners! Thanks to Cynthia Martel and Alexzandra Limes of Realty One Group Mountain Desert for trusting them to me for their financing needs. Always a great way to end the week!

Add an ADUWhat is an ADU? An ADU (accessory dwelling unit) is a smaller, independent residential structure on the same l...
02/16/2024

Add an ADU
What is an ADU? An ADU (accessory dwelling unit) is a smaller, independent residential structure on the same lot as a single-family home. Some call them a tiny home, in-law apartment, she shed…you get it.

What are the benefits of ADUs for homeowners? Adding an ADU can increase the value of your home as much as 35%, according to 2021 analysis by Porch.com. Not only that, but you have the potential to earn extra income from an ADU by renting it out. An ADU could also be a great solution if you have adult children or aging parents that you are the caretaker of or if you just simply need a standalone home office or workshop.

Want to talk more about ADUs? Send me a message and let's chat!
Source: https://myhome.freddiemac.com/blog/homeownership/should-i-add-adu-my-home

Buying on One IncomeBecause single mortgage applicants rely on just one salary and one credit profile in order to secure...
02/16/2024

Buying on One Income
Because single mortgage applicants rely on just one salary and one credit profile in order to secure a loan, going through the mortgage process can be a bit trickier than with two incomes. Here is what you need to know to help you get the keys to your new house with one income:

-Review your credit. When you apply for a mortgage on your own, lenders will be looking at just one credit profile – yours! Make sure your credit is the best it can be and avoid making any big purchases or cancelling old credit cards.

-As an alternative to the conventional mortgage, consider a government-insured loan. These loans require a much smaller down payment compared to the typical 20%, which can make a big difference when you're only drawing from one person's savings.

-Coming up with the upfront cash is often a difficult hurdle, check into down payment assistance programs* to help. Each state offers its own programs, as do different cities and organizations.

Want to chat more about your specific situation? Send me a DM and let's chat! Homeownership may be closer than you think!

Primelending just came out with some aggressively priced 3/6 ARM's to help buyers get a lower interest rate. Take advan...
02/02/2024

Primelending just came out with some aggressively priced 3/6 ARM's to help buyers get a lower interest rate. Take advantage of this new ARM POWER and let's chat about getting you into a home in 2024!

Green FlagsWhen you're checking out a potential new home, keep your peepers peeled for a few key signs that this could b...
02/02/2024

Green Flags
When you're checking out a potential new home, keep your peepers peeled for a few key signs that this could be the one! First up, let there be light! A sun-soaked space can really bring out the best in a home, so soak it in! Next, check out how the rooms are connected. Do they flow like a river or feel like a maze? Make sure the layout is a match for your vibe.
Okay, now let's get to the nitty-gritty: the home's inner workings. Give those HVAC and plumbing systems a once-over. A few hiccups are normal, but if things seem seriously out of whack, it might be sign to move on to the next home.
Lastly, let's get down to the details. Are the finishes and appliances up-to-date? That's a good sign the homeowners have been taking good care of the place. And, don't forget to check out the small things like fresh paint, a tidy lawn, and clean spaces. By keeping these green flags in mind, you're well on your way to finding your dream home!

This is how you feel some days after being in this profession for 31 years! It really isn't that bad when you have a go...
02/02/2024

This is how you feel some days after being in this profession for 31 years! It really isn't that bad when you have a good company supporting you but I can't say that there aren't days that I lay in bed thinking about loans in process!

Wedding and HomebuyingThinking of combining a big commitment with a big investment? Our friends at Nerd Wallet are givin...
01/22/2024

Wedding and Homebuying
Thinking of combining a big commitment with a big investment? Our friends at Nerd Wallet are giving their tips on navigating the exciting journey of buying a home while planning your dream wedding. By setting smart goals and realistic expectations, you can turn your homeownership dreams into a reality!
Set Priorities
To avoid overspending when planning a wedding and prioritizing a down payment, you may want to to refine your list of priorities. Do you want a large wedding? An open bar? Band or DJ? Setting clear priorities from the start helps you to make informed choices, ensuring that investing in a home doesn't feel like a major sacrifice amid wedding expenses.
Defining Your Down Payment
Define your down payment goal based on factors like mortgage type, desired monthly payment, and location. Contrary to popular belief, it's possible to purchase a house with less than 20% down. In fact, qualified buyers can put as little as 3% down on conventional mortgages.
Leverage Your Wedding
Have you considered leveraging your wedding to meet financial goals by adding "home funds" to your registry? Per an October 2023 survey by The Knot and Zillow Home Loans, the inclusion of such funds has risen by 55% since 2018, with nearly 20% of couples using The Knot seeking down payment assistance. Platforms like Honeyfund enable you to create customized registries for various home-related funds, including specific needs like "appliance fund" and "paint fund."
Want to chat more about preparing financially for homebuying? Reach out! I'd be happy to chat to help in any way I can!

Pros and Cons of $0 DownA $0 down payment loan is exactly what it sounds like, a mortgage that does not require a down p...
01/22/2024

Pros and Cons of $0 Down
A $0 down payment loan is exactly what it sounds like, a mortgage that does not require a down payment. A no down payment mortgage helps homebuyers who may not have the funds saved up to make a down payment. Like any decision, there are pros and cons choosing a $0 down mortgage.
PRO – Buying a house with no money down means buyers won’t have to drain their savings to try to meet the down payment requirement of other loans.
CON – Typically, no down payment mortgages have a higher interest rate than traditional mortgages which can lead to larger monthly payments. However, once you’ve built up enough home equity, you may be able to refinance.
PRO – Since 0% down mortgages allow you get a mortgage without a down payment, you could get into a home sooner because you won’t have to worry about spending time saving up.
Have questions about down payments or $0 down loan options? Send me a DM - I'd love to chat!

Primelending just came out with another cool product to help sellers market their homes to buyers. It is called "SELLER...
01/17/2024

Primelending just came out with another cool product to help sellers market their homes to buyers. It is called "SELLER'S ADVANTAGE". The seller enters into an agreement with Primelending to offer 3 point seller concessions to the buyer which will be used to permanently buy down the rate for a potential buyer. The seller will then be able to market their home with this discounted locked in rate for up to 60 days. After they get a signed contract, the buyer has 30 days to close on the purchase at the lower rate. It is similar to what builders do when they do "builder forwards" with a lender and they lock in discounted rates on their subdivisions to have a competitive edge over their competition. DM me for more information!

Address

2170 McCulloch Boulevard N. , Ste. C
Lake Havasu City, AZ
86403

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+19287270257

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