Larry Minden Loan Officer NMLS ID 2518633

11/04/2025

My wife's new dogs think they are parrots!?

09/16/2024

It was an awesome weekend!!

09/16/2024

Let’s break it down:

- Savings vs. Reality: A small rate drop could save you on monthly payments, but a surge in buyer competition could spike prices.
- Now vs. Later: Lower rates mean more buyers and fiercer bidding wars. Your dream home could slip through your fingers as demand outstrips supply.
- The Strategy: If you’re financially ready, consider buying now to avoid the rush. Less competition could mean a better deal!
- Preparation is Key: Work on your finances and explore the market. Being prepared means you can strike when the time (and rate) is right.

Ready to start your homebuying journey?

Comment "READY" below and let's unlock your dream of homeownership together!

09/16/2024

Looking to buy a home with no down payment? The USDA loan program can help! Backed by the government, this program offers qualified borrowers 100% financing to purchase a home in a designated rural area.

But wait, isn't rural just farmland? Not necessarily! The USDA defines rural areas based on population, so many suburban neighborhoods and towns actually qualify. You can check your eligibility https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfhprev.

There are income limits and loan amount restrictions depending on your location, but the USDA program opens doors to homeownership for many who might not otherwise qualify.

09/12/2024

09/11/2024

A pre-approval is your golden ticket to stand out in a competitive market. It shows sellers you're a serious buyer, ready to sn**ch your dream home. But why settle for basic approval? Level up with a fully underwritten pre-approval.

Think of it as a pre-vetted mortgage - underwritten with all your financial details. This powerhouse pre-approval puts you in the driver's seat. Sellers will see you as a superstar buyer, vastly increasing your chances of winning your dream home. Plus, you'll have ultimate peace of mind knowing exactly how much house you can comfortably afford. It's a win-win!

Get started today!

09/09/2024

5.0 star review received on Experience.com for Larry Minden by Ralna L H - Larry and Lyn were both a joy to work with. They worked very hard to make our dream of buying our first home a reality! If we buy another home in the future we would love to work with them again!

09/09/2024

Dreaming of lower interest rates? So is everyone else.

According to NAR if interest rates fall to around 6%, 3.1 million more households will once again be able to afford to buy the median-priced home.

Couple that with an inventory shortage of 3.2 million homes, which all adds up to more competition.

Sellers understand this and home prices will rise accordingly.

But wait, here's the good news. In the current market, sellers are more willing to contribute a rate buydown to aid buyers in the purchase of their home. What is a temporary rate buydown?

Well, in simple terms, it's a strategic way for sellers to make their home more attractive to buyers. With a rate buydown, the seller pays an upfront fee to the lender to lower the interest rate on the buyer's mortgage for the first few years. This means lower monthly payments for the buyer during the initial period.

Don't let interest rates deter you – explore your options and make the most of this current market!

09/07/2024

5.0 star review received on Experience.com for Larry Minden by Ricky D H - There were a few challenges and a mishap at closing. However, Larry was very helpful in navigating the challenges and noticed some clerical errors at closing (not his doing) that actually saved us from delaying our closing process. In short Larry’s attention to detail and professionalism was outstanding, and we will definitely use him in the future for refinancing or potential home/property purchases.

Click to see all 12 reviews of Larry Minden, Loan Officer | NMLS #2518633

09/07/2024

Is it time to make that dream change you've wanted since you first got your home? Or if you're tired of the same look and want something new, here's your chance! With our MannMade Renovation Loan options, you can make those changes without breaking the bank!



https://larryminden.mannmortgage.com/

09/07/2024

Pete and RePete... who can REALLY tell them apart?