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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

PrimeLending, Stacie L. Huff, SR Loan Officer, NMLS #354542

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Midland, TX
PrimeLending, Stacie L. Huff, SR Loan Officer, NMLS #354542

PrimeLending is a national mortgage lender known for making the home loan process simple, clear and At PrimeLending, we are Home Loans Made Simple℠.

PrimeLending NMLS ID: 13649

I'm Stacie L Huff, NMLS 354542, Senior Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. For nearly 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 straightforward processe

s, 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. A Leader in National Home Loans

PrimeLending, a PlainsCapital Company and subsidiary of Hilltop Holdings Inc. (NYSE: HTH), closed 48,655 loans for a total mortgage volume of $10.3B in 2014. We’re ranked in the top 10 mortgage lender ranking for purchase units nationwide three years in a row – 2012, 2013 and 2014*, and are a top 10 mortgage company in America ranking by Mortgage Executive Magazine four years in a row – 2011, 2012, 2013 and 2014. We’ve also ranked in the top ten in top overall volume and top retail volume on Scotsman Guide Top Mortgage Lenders in 2012, 2013 and 2014*. www.primelending.com

Work at PrimeLending

PrimeLending is the premier destination for the most talented loan originators in the industry. We are always looking for experienced, motivated mortgage professionals. To learn more about becoming part of PrimeLending, visit www.primelending.com/recruiting.

*As Ranked by Marketrac for purchase units nationally for Jan.-Dec. 2012, 2013 and 2014. In accordance with Section 326 of the USA PATRIOT ACT of 2001, PrimeLending is required to obtain a copy of the documents used in identifying our new account customers. 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. www.PrimeLending.com/legal

Stacie Esparza
• Senior Loan Originator
NMLS: 354542
Office: (432)689-2559
[email protected]

08/14/2023

When you apply for a VA renovation mortgage, there are a few things to keep in mind. First, your VA renovation loan can be financed over 30 years leading you to a lower monthly payment.
Since a VA Renovation Loan is rolled into your mortgage, you can get a better deal than if you had gotten a supplemental loan. Why? Because by rolling the renovation loan into your standard loan you will have one mortgage rate and one monthly payment. If you have two separate loans, you run the risk of the second mortgage being charged at a higher rate.
You can also get a VA Renovation Loan for a home you already own. This will allow you to make any upgrades or repairs to your current residence, including electrical, plumbing, structural issues and more. However, there are a few limits. For instance, a VA Renovation Loan will not cover projects like putting in a pool, building a patio, or adding more rooms.
If you’re an eligible veteran and are ready to make repairs to your home, I am here to help! Ask me about my renovations guide to help answer any questions you may have!

08/09/2023

A home renovation loan is a type of mortgage loan that can help you complete your home remodeling project(s). Getting a renovation mortgage can help streamline your budget because this type of loan rolls the cost of purchasing a home and the renovation costs into one loan. That means you’ll only have one monthly payment.
However, if you aren’t planning to purchase a new home but want to renovate your current home, a renovation refinance loan can help you finance your project. A renovation loan can help you remodel your kitchen, complete cosmetic updates, and more. Your old mortgage would be refinanced into one loan to cover your new monthly mortgage payment as well as your home remodeling costs.
Have more questions about renovation loans? Reach out! Let’s chat

08/08/2023

May this new school year bring you exciting adventures, new friendships and plenty of opportunities to grow!! Wishing you all the best!!

08/07/2023

Owning a home can be such a rewarding part of life. Not only do you feel a sense of pride from owning but there are other benefits as well that can set you up for your financial future.

1.You can build equity over time: Equity is the difference between how much your home is worth and how much you owe on your mortgage. As a homeowner, you’ll build equity as you pay down your loan principal and as your property value increases (a.k.a. appreciation). Your equity gives you financial stability and can be tapped into when you decide to finance home improvements or use you net proceeds for a down payment on your next home.

2.Your monthly payments can be stable: Monthly rent usually increases over time, but a fixed-rate mortgage will ensure that you’re paying the same amount each month.

3.Owning a home may offer tax benefits: Homeowners may be able to claim tax deductions on their mortgage interest and property taxes.

4.You can create the home you want: As a homeowner, you have the freedom to adopt a pet, paint the walls, renovate the kitchen and more. You can customize your own space without landlord approval.

Want to talk more about the benefits of homeownership? Send me a DM!

08/04/2023

Want to buy a fixer-upper but not loving the idea of managing two different loans? A PrimeLending Renovation Loan could be just what you need to get the job done with just one loan.
The way it works is, we simply incorporate the renovation costs into the sales price of the home. The result? You have one loan, one monthly payment, and a path to the home of your dreams.
Let's turn that 'Before' property into an 'After' masterpiece! DM me to learn more.

08/02/2023

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 a study 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!

07/31/2023

Wouldn’t we all love to be mortgage-free? I know I would! If you’re looking to pay off your mortgage faster, keep reading!

Tip #1 – Biweekly Payments
By switching from a once monthly mortgage payment to making two half payments every two weeks, you can increase from paying 12 full payments a year to 13. This switch can result in paying off your loan almost 5 years early!

Tip #2 – Paying Extra on Your Principal
Your interest payment is calculated based on your unpaid principal balance (the amount of the loan that you have not yet repaid). By making extra payments, you can reduce both the total interest you pay and the time it will take to pay off your mortgage.

Tip #3 – Refinancing
If you opted for a 30-year fixed mortgage, consider shortening your term to a 15- or 20-year term. The shorter the mortgage term, the less interest you’ll pay over the life of the loan.

Have questions or want to chat more about your mortgage and if it’s still working the best for you? Send me a DM!

07/28/2023

Are you aware of this financial tool? Your home equity can be an asset that you can borrow against. Have the financial freedom to pay off high-cost debt, invest in your child’s education, pay off medical bills, or even use it towards home improvements. Plus the interest rate on home equity-based borrowing is typically lower than interest on credit cards or personal loans since the funds are secured by your equity.

Want to chat more about how much equity you could be sitting on or our current housing market? Send me a DM – I’d be happy to chat!

07/25/2023

Need some inspiration and ideas for saving for a down payment? I got you covered! These are my favorite tips to help you save for a down payment in 12 months:

1. Set up automatic transfers from your checking to your savings account each month.
2. Decide now to put aside raises, bonuses, gifts, or tax refunds.
3. Skip the costly vacation, plan a staycation, and save the difference.
4. Pare down holiday and birthday gift-giving.
5. Sell some items you haven’t used all year. Exercise bike you haven’t touched or clothes you haven’t worn in 3 years? Sell it!
6. Pick up a side hustle like freelancing, pet sitting, ridesharing, or a part-time job. Remember, it’s just until you hit your down payment goal.

While 20% down allows you to avoid private mortgage insurance, you don’t have to have 20% in the bank to afford a home. A 3-10% down payment will put you in a strong position when you apply for a mortgage. Plus there are state and local down first-time buyer assistance programs that you may qualify which include grants or discounts.

Have questions or want to connect about the buying process as a whole? DM me, and I’ll be in touch!

07/24/2023

Your dream house is within reach! With PrimeLending, you'll have access to over 400 mortgage options designed to suit your unique needs. You don't have to think pink to land your dream house. Let us help you take that exciting leap towards homeownership!

07/21/2023

Let’s bust some mortgage misconceptions! These are the 3 most popular misconceptions I hear all the time as a loan officer:

1.A 20% down is always required - While a higher down payment can help you avoid private mortgage insurance (PMI) or potentially get better loan terms, we have loan programs that require as little as 3.5% down – such as FHA loans – or even 0% down – such as VA or USDA loans. According to the National Association of Realtors, the median down payment on a home in 2022 was just 13%.

2.The interest rate is the most important factor – We’re hearing a lot about interest rates lately. They are an essential part of a mortgage, but not the only factor. Other factors, such as loan term, closing costs, and loan type, can significantly impact the overall cost of the mortgage. It’s important to look at the whole picture vs just the interest rate.

3.It’s better to pay off your mortgage as quickly as possible – Mortgages often come with a relatively low interest rate compared to other types of debt. Instead of focusing solely on an early mortgage payoff, it may be more beneficial to invest any extra funds in higher-yield investments or retirement accounts. Consider your long-term financial goals and make sure to consult with a financial advisor to make an informed decision.

Have other thoughts about mortgages that you want to know if they are misconceptions or not? Send me a DM! I’m always here to help!

Address

3510 N. Midkiff Road, Ste. 200
Midland, TX
79705

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Telephone

+14322537005

Website

http://lo.primelending.com/shuff

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