Ruthann Carbajo, NMLS: 440663, PrimeLending

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United States
Overland Park, KS
Ruthann Carbajo, NMLS: 440663, PrimeLending

At PrimeLending, we are Home Loans Made Simple®. For over three decades, we have helped people buy, refinance and renovate their homes.

PrimeLending NMLS: 13649

I'm Ruthann Sharpe, NMLS: 440663, Senior Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. PrimeLending’s loan officers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers inf

ormed 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. primelending.com/legal

Equal Housing Lender

02/15/2025

🏡✨ Turn your current house into the home of your dreams with a renovation loan from PrimeLending! Whether it’s a small upgrade or a major transformation, I’m here to help you create a space you’ll love. ❤️🏠
Here’s how you can fall in love with your home all over again:
• Spot the Gaps — Identify the areas ready for a refresh, whether it’s the kitchen🍽️, bathroom 🛁 or a new addition.
• Go Green — Upgrade with energy-efficient appliances, smart thermostats and better insulation 🏡♻️ to save on energy costs.
• Create an Outdoor Retreat — Imagine a cozy patio ⛱️or lush backyard 🌿🌼where you can relax and recharge.
• Design for the Future — Planning to stay long-term? Let’s incorporate features like wider doorways and step-free 🏠 entries to make your home comfortable for years to come.
Let’s make your renovation dreams a reality. Reach out and let’s get started! 📞📩

02/14/2025

💰 While you’re saving for your down payment, remember to set aside funds for your closing costs too. 🏡✨
Closing costs typically range from 2-6% of a home’s purchase price and may include fees for the appraisal, home inspection and title search, among others. 📑🔍 You’ll receive a detailed breakdown of your specific closing costs in your closing disclosure.
💡 Curious about ways to lower your closing costs? Let’s talk about your options today! 📞📩

02/12/2025

For a limited time, PrimeLending’s Spring Into Savings Buydown Program offers a 1-0 temporary buydown* that lowers the effective interest rate and payments during the first year of FHA, VA, or USDA loans. It’s a great way to make homeownership more affordable for your clients while helping you close more deals this spring.
Don’t wait — this offer is only available for a limited time! Contact me today and mention promo code SPRING SAVINGS to learn more.
Let’s work together to make homeownership happen!
*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 2/1/25 and 4/30/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.

02/11/2025

Perfect Time to Buy:
Waiting for the ideal moment to buy a home? You might be waiting longer than you think. ⏳Rates and home prices change on a regular basis, making it nearly impossible to time the market perfectly. 📉🏡
The good news? You don’t have to figure it out alone. I’m here to help you make the most of your budget and find mortgage options that fit your goals. 💪💰
Let’s talk about how we can make homeownership work for you! 🙌

02/10/2025

Monday Motivation: Fall in Love with Your Home

"Love the life you live, live the life you love." – Bob Marley
This Valentine’s week, fall in love with the idea of owning your dream home! Whether you're buying your first home, refinancing, or looking for ways to maximize your investment, PrimeLending is here to help you every step of the way.
Let’s make this week the start of a new chapter filled with love, comfort, and the home you've always dreamed of.

02/08/2025

Single Income Buyers:
💪 Securing a mortgage with one income might feel challenging, but it’s absolutely possible with the right approach. Here are some tips to help you navigate the process:
• 💳 Polish Your Credit Profile — With only one credit profile under review, it’s important to make yours as strong as possible. Check your credit score, pay down debt, and avoid major purchases or closing old credit cards during the mortgage process.
• 🏠 Explore Government-Backed Loan Options — If saving for a large down payment feels overwhelming, government-backed loans may be a great option. These programs often offer lower down payment requirements, making homeownership more achievable.
• 💰 Consider Down Payment Assistance Programs* — Don’t let upfront costs hold you back. Many states, cities and organizations offer programs designed to help with down payments and make homeownership more accessible.
Let’s connect to create a plan tailored to your needs. Your dream home may be closer than you think! Reach out today and let’s start the journey!
*Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

02/07/2025

Prepare to Buy in 2025:
🏡 Planning to purchase a home in 2025? Get ahead in your homebuying journey by following these simple steps:
• ✔ Know Your Budget — I can help you review your monthly income and debts to figure out how much home you can comfortably afford.
• 📊 Check Your Credit Score — Together, we can check your credit report and explore ways to strengthen your score if needed.
• 📝 Get Qualified for a Mortgage* — Getting qualified gives you a clearer picture of your mortgage options and helps you focus on homes that fit your budget.
Buying a home is easier when you have a local mortgage expert by your side. Let’s talk about your goals and how I can help you reach them!
*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.

02/05/2025

Loan Lift:
🏡 Ready to move on from renting but wondering if you’ll qualify for a mortgage? Your history of on-time rent payments and steady income could help you take that next big step — thanks to Loan Lift by PrimeLending.
Loan Lift goes beyond traditional documents like paystubs and rent receipts to validate your responsible financial habits. It even verifies payments made through apps like Venmo and Zelle, giving you the credit you deserve.
Curious if Loan Lift could help you become a homeowner? Let’s talk! 📞🏠
PrimeLending is not affiliated with Venmo or Zelle.

02/04/2025

Time to Upsize:
Is your home starting to feel a little too tight? 🏡🤏 Here are a few signs it could be time to move into a bigger space:
• You’ve built enough equity to confidently sell your home.
• Your kids are growing — and so are their toys!
• Your family is expanding with kids, pets, or multi-generational living.
• You need a dedicated workspace for working from home.
• You’ve decluttered, but it still feels crowded.
• You love hosting, but your space can’t keep up.
If any of this sound familiar, it might be the perfect time to explore a larger home. 🏠✨ Upsizing is a big step, but I’m here to make it easier.

02/03/2025

Monday Motivation 💪🏡✨
"Believe you can, and you're halfway there." – Theodore Roosevelt
A new week means new opportunities! Whether you're taking the first step toward homeownership or planning your next move, we're here to help make it happen. Let’s turn your home dreams into reality—one step at a time!

02/01/2025

🏢 Non-warrantable condos* are eligible for financing — they just require loans that aren’t backed by government entities. To secure financing, you'll need a lender who can customize loan options to fit the unique characteristics of these properties.
Got questions about condo financing? I’m here to help you navigate your options! 💬
*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

01/31/2025

❄️ As temperatures drop, energy costs can rise. 💡
Keep your bills in check this winter with these simple tips:
• Adjust your thermostat a few degrees — heating systems can take up a large portion of your energy use.
• Open your curtains or blinds to take advantage of natural solar heat.
• Seal drafts around doors and windows to prevent cold air from sneaking in.
• Insulate your windows to keep the warmth inside.
Want to save even more? Let’s talk about green home loans that can help you make energy-efficient upgrades and reduce costs all year long. 🌱

Address

8900 Indian Creek Pkwy, Suite 100
Overland Park, KS
66210

Telephone

+19136489517

Website

http://www.ruthannsharpe.com/

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