Scarlet Harkin, First National Bank, Mortgage Loan Officer, NMLS 2046460

06/17/2025

If you're searching for your dream home but it's out of reach, a starter home might be the perfect first step.

A starter home is more affordable and gives you the chance to build equity over time. 🏡💰
That equity will help you move up to your dream home when the time is right!

Even if it’s not your forever home, it's a smart way to invest in your future while finding a space that fits your current lifestyle. ✨

04/10/2025

The Grants for Grads (GFG) interest rate option for recent graduates provides down-payment assistance and closing cost assistance equal to 5% of the loan amount! Apply with me soon, this program will expire on May 30th!

03/28/2025

I’ll be at the Home Show at The Monument in Rapid City this weekend to visit with you about home loans and more! Look for our First National Bank booth for a chance to win some great prizes and learn how FNB can help finance your dream home! Event details can be found at the link below.

https://blackhillshomebuilders.com/home-show/

03/10/2025

Happiness comes in all shapes and sizes—just like mortgage options! 🏡
There's a perfect fit for every homebuyer, and each option offers unique benefits tailored to different needs and circumstances. Take the time to explore your options and find the one that brings you closer to your dream home.
Ready to start? Let’s find the best mortgage for you—reach out today!

02/14/2025

Finding the perfect loan is like matchmaking – it's all about compatibility. Trust in me to find you a loan you'll adore. 💕

01/23/2025

We are excited to offer the Grants for Grads (GFG) interest rate option from SDHDA for qualified borrowers! The GFG interest rate option for recent graduates provides down-payment assistance and closing cost assistance equal to 5% of the loan amount. Qualified borrowers include recent graduates who have graduated within the last 60 months from an accredited academic institution, having earned a degree from an accredited post secondary educational facility and will be a First-time homebuyer. Give me a call today to learn more!

01/16/2025

01/09/2025

Ready to start the home journey with your spouse or partner? Here is an essential checklist of what both parties will need before applying for a mortgage.

🏡 Employment History: Both applicants should show stable employment for reliable income.
🏡 Credit Scores: Both scores are reviewed, often focusing on the lower score for risk assessment.
🏡 Income and Assets: Combined income and assets are evaluated for financial stability.
🏡 Debt Obligations: Shared or individual debts impact the debt-to-income ratio and loan terms.

Having these documents ready saves time and allows you to plan ahead.

Reach out if you're ready to take this exciting step or if you have any questions!

12/27/2024

🏡 Kickstart Your Year with Clear Real Estate Goals!

The right lender can guide you every step of the way, making your real estate dreams a reality.

✨ Let’s make 2025 the year you turn dreams into keys. Ready to get started? Reach out today!

12/04/2024

Switching from rent to mortgage payments is like upgrading to first class on your journey to financial well-being. 🌟 Every mortgage payment is a step toward owning a bigger piece of your home, building equity like a savings account you can live in. Imagine transforming those rent receipts into tangible wealth that grows with every payment. If you're feeling ready to embark on this exciting path to homeownership, let’s set sail together and turn your monthly payments into investments in your future!

11/12/2024

What’s the difference between Interest Rate and APR? 🏡💡 The interest rate is the cost of borrowing money, expressed as a percentage of the loan amount. But the APR (Annual Percentage Rate) gives you the bigger picture—it includes not only the interest rate but also any fees and charges tied to the loan. Essentially, the APR provides a clearer view of the total cost of borrowing over time. 📊 So, when comparing loans, make sure to look at both!

10/25/2024

Navigating the home-buying journey? 🏡

A seasoned lender makes all the difference.

Pre-Qualification: Show sellers you’re financially prepared from the start.

Prompt Support: A responsive lender can quickly address any financial queries from the seller’s side, reducing uncertainties and making your offer more reliable.

Strong Communication: Keeping all parties in the loop, ensuring smooth progress and reducing the risk of delays.

Have questions or considering options? Reach out, and let's make home dreams a reality!