Gianna Gallina, Loan Officer, NMLS: 2024879

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United States
Raleigh, NC
Gianna Gallina, Loan Officer, NMLS: 2024879

I’m Gianna Gallina, Loan Officer (NMLS 2024879) with PrimeLending, a national mortgage lender making the home loan process simple.

PrimeLending NMLS ID: 13649

At PrimeLending, we are Home Loans Made 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 straightforward 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. primelending.com/legal

Equal Housing Lender

12/08/2023

If you could combine no down payment on a mortgage with 100% financing, wouldn’t you? A USDA mortgage allows eligible borrowers to do just that! Plus, you could get lower interest rates and flexible credit requirements too. Get your free copy of our guide to USDA loans for all the details.

12/06/2023

3D Printed Homes are redefining the way we build. At PrimeLending, we're ready to help you build your home of the future. Financing your new construction is just a step away.

Reach out to me today to learn more about your mortgage options.

12/05/2023

In today's competitive housing market, purchasing a home has become increasingly challenging. Our jumbo loan, offering financing up to $3 million, provides an opportunity for you to secure your dream home. Feel free to contact me to discover how our tailored financing solutions can make your dream home a reality.
Product info as of 11/1/23, subject to change.

12/03/2023

Architectural Showdown: Mediterranean vs. Modern! Which style captures your heart?
Mediterranean: Picture terracotta roofs, stucco walls, and a warm, earthy color palette. This style exudes a rustic, yet elegant vibe that’s reminiscent of a sun-drenched villa by the sea.

Modern: Think clean lines, expansive windows, and a focus on simplicity and functionality. Modern architecture is all about embracing innovation, open spaces, and integrating with the surrounding environment

Which style resonates more with you? Drop your vote in the comments and let me know what you love about your chosen style!

https://lo.primelending.com/gianna.gallina/

12/01/2023

Home maintenance is a key part of being a homeowner. You can plan for maintenance costs by annually setting aside about 1% of your home's purchase price or $1 for every square foot in your home. Things that affect your home upkeep are:

Property Age: With wear and tear over the years, you may need to account for a larger maintenance budget on an older home.
Climate: Homes in areas that frequently experience extreme weather may need more work over time.
General Condition: A home that has been well-maintained, even if it is slightly older, may have fewer upkeep costs than a neglected newer home.
Build Quality: Homes built with top-notch care and craftsmanship tend to hold up stronger and need less work as time goes by.
Local Market: In areas with higher costs of living, demand may drive up the price tag of materials.
Handiness: Smaller tasks you can do yourself can cut back on upkeep costs, however taking on a project you don't have the skills for can be costly in the future.

If your home could use some work, let's connect to talk about renovation loans that could help you keep your home in tip-top shape.

11/30/2023

Whether you want to fall back in love with your current home or customize your newly purchased home, a renovation loan can help you do it all.

Common uses for a renovation mortgage are:
Cosmetic updates
Structural repairs
Adding square footage
Creating your outdoor oasis

Let's connect to discuss if a renovation mortgage is right for you.

https://lo.primelending.com/gianna.gallina/

11/28/2023

Buying your first home is an exciting life step. Wondering where to start? We want to make sure your mortgage process is as easy as possible. Here are some common homebuying and how to avoid them so that your journey to homeownership is smooth sailing:

Do:
Set up auto-pay so your credit payments are always on time.
We offer low and no down payment loan options if you can't put down 20%.
Save time house hunting and know your buying power by applying for a mortgage before you start looking.
Make sure you work with someone you can trust to help you understand all of your loan options and find the best mortgage for your homebuying goals.

Don’t:
Not being proactive about your credit score.
Misjudging down payment requirements.
Putting the house before the mortgage.
Getting a mortgage you don't understand.

For more info about buying your first home, contact me today!

11/27/2023

Ready to make your dream home a reality? I’m here to help! With 1Day AdvantEDGE**, you can get mortgage credit approval* within 24 hours. Let's get started today, and I’ll even give you a $250 lender credit towards closing costs.***

*Approval indicates an Underwriter has reviewed application and verified all income, assets, and credit; subject to property conditions and voided by changes in credit.
**Restrictions apply (e.g., W2 or fixed income only, conventional/conforming purchase of primary residence with 20% down). Must utilize required online tools and receive AUS approve/eligible. Weekends/holidays excluded. Voided by circumstances beyond lender’s control. Subject to change. For full terms and conditions visit https://bit.ly/3PJUBNX
***$250 lender credit will be applied at closing to offset lender closing costs. No cash value. May not be combined with other offers.

09/25/2023

A lot has changed since you signed your mortgage— market conditions or possibly a life event or two! I’ve got your back for all your mortgage needs. Let’s reconnect and see if your current mortgage is still the best one for you!

09/21/2023

What's the difference between closing costs and cash to close? You might think these are the same thing, and you're not alone!

Closing costs are fees associated with buying a home, such as appraisal fees, title fees, and attorney fees. These costs are typically paid at the closing of the sale.

Cash to close, on the other hand, is the amount of money you will need to bring to the closing table, which includes your down payment, closing costs, and any prepaid expenses. Not sure how much you need to budget?

Let’s connect and I’ll be happy to help you with the planning process!

https://lo.primelending.com/gianna.gallina/

09/20/2023

Thinking of building a new home? We have the loan options to help you get the job done. With supply chain issues improving, building a new home has never been more efficient. And with a PrimeLending New Construction Loan, you'll have the opportunity to customize every detail to your liking, including all the latest technology and energy-efficient features.

Contact me today to learn more about building your new construction home with PrimeLending.

09/19/2023

Attention first-time homebuyers! Wondering what the difference is between FHA and conventional loans? FHA loans are backed by the Federal Housing Administration and have lower credit score and down payment requirements. However, they also have a mortgage insurance premium that must be paid for the life of the loan.

Conventional loans are not backed by the government and have stricter credit and income requirements. They often have lower mortgage insurance costs and can have more flexible terms. Contact me to learn more about the best option for you and take the first step towards your dream home.

Address

Raleigh, NC
27612

Telephone

+19198202697

Website

http://lo.primelending.com/gianna.gallina

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