Richard Bradbury, NMLS: 599322, PrimeLending - Loan Officer

01/13/2023

Taking out a mortgage often isn’t something you can do entirely on your own. If you’re looking to buy a home and need support, a co-borrower or co-signer can help.

Co-borrower: Applies in conjunction with you, the primary borrower, in the mortgage application process. Co-borrowers share the responsibility of repaying the loan, along with taking on the risks of added debt or missed payments. For example, you and your partner want to go into a property together, each wanting an equal claim in ownership. Your lender will list you both as co-borrowers, each responsible for payments, and both of your names will appear on the property’s title.

Co-signer: Agrees to take on financial responsibility if the borrower defaults on their payments, however, they do not have legal claim toward the home. If the primary borrower has no credit history, a low credit score, low income, etc., adding a co-signer gives lenders added confidence that the loan will be repaid. For example, a parent with a strong credit score and higher income may co-sign on their child’s first home. Their name is not found on the title, but the lender turns to them if their child does not continue repayment.

Give me a call to see if having a co-borrower or co-signer is best for you!

01/04/2023

12/06/2022

Purchasing a Home is more than just a financial transaction… or at least it is to You and Yours! ❤️😃

With PrimeLending, a Plains Capital Company we like to keep it Simple! Our Home Loan experts, 🧐 digital processes 📲 and 30+ years of experience mean we focus on the Loan - so you can focus on the Home!

Home Loans Made Simple ✔ Keeping it Simple for You. ❤

12/02/2022

Effective immediately, both Fannie and Freddie Mac have announced significate updates to ensure affordable housing in underserved markets that will greatly reduce the cost of homeownership.

PrimeLending has updated the underwriting guidelines to reflect the change, and ensure our borrowers are able to take advantage of this money saving adjustment for HomeReady and Home Possible mortgages, which only allow for 3% down payment.

A borrowers interest rate is traditionally based off their credit score, down payment amount and loan type. From these factors, fees & pricing then determine their market interest rate. Now all standard price adjustments will be waived!

So, if you’ve been in the market to purchase a home, contact us today to see how much you can now save in closing!

11/30/2022

WINDOVER FARMS ELEGANCE! As you arrive on the EXTENDED driveway you will instantly feel the comfort of HOME. Enter to a breathtaking view of the NEWLY RESURFACED POOL. Large BACKYARD with NEWER, vinyl FENCE. Enjoy the luxury of an OPEN FLOOR plan along with a gas fireplace, wet bar, high ceilings, a...

11/04/2022

With Rate Redo from PrimeLending, your borrowers can purchase a home today and refinance with no lender’s fees* by 12/31/24 to save them money. Here’s how it works:
• Borrower closes a purchase loan with PrimeLending between 10/26/22 and 3/31/23
• They make 7 timely monthly payments
• Refinance the loan with PrimeLending by 12/31/24
• Borrower refinances with NO lender’s fees*

Borrowers may not be able to control the market, but they can get a redo on their rate.

Home Loans Made Simple ✔ Keeping it Simple for You. ❤



*Conditions and restrictions apply. Lender fees (i.e., administration, application, closing, commitment, processing, underwriting and wire fees) will be waived when, by 12/31/24, borrower closes on a refinance of a qualifying loan with PrimeLending, All other fees may apply. Qualifying loans are purchase loans originated and closed by PrimeLending between 10/26/2022-03/31/2023 on which borrower has made 7 timely payments. Excludes broker loans. Refinanced loans must meet agency and investor guidelines (e.g., seasoning requirements, net tangible benefits) Limited to the initial refinance of the qualifying loan. Subject to credit approval. Cannot be combined with any other offer.
2022 PrimeLending, a PlainsCapital Company (PrimeLending). (NMLS: 12649) Equal Housing Lender.

10/03/2022

At PrimeLending, a PlainsCapital Company, we make the homeownership journey simple and hassle-free for you.

We do Simple…for You. ✔ Simple is Better. ❤

09/20/2022

Don’t let your dream home slip out from under you, again. Get a customized qualification* letter to help you stand out! Start your application now and I will contact you with questions.

08/30/2022

In case you didn’t know, I also am a member of the Indian River County MLS and am happy to assist you in Vero Beach. My buyer had her heart set on not only Grand Harbor in Vero Beach but on a particular section in that neighborhood! She was very patient and we finally found the perfect place for her to call her home away from home! Congratualtions Liz!