Tino Martinez NMLS 1457806

Tino Martinez NMLS 1457806 I'm Tino Martinez, NMLS: 1457806, Loan Originator with PrimeLending, a national mortgage lender making home-buying dreams come true nationwide.

PrimeLending NMLS ID: 13649

I'm Tino Martinez, NMLS: 1457806, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. 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 th

e 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 Hiilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal

Equal Housing Lender

For licensing information, go to: www.nmlsconsumeraccess.org

Honored to be named a 2026 Top Mortgage Originator by Scotsman Guide.Grateful for every client, referral partner, and re...
04/10/2026

Honored to be named a 2026 Top Mortgage Originator by Scotsman Guide.

Grateful for every client, referral partner, and relationship that made this possible.

This isn’t just an award—it’s a reflection of trust. And I don’t take that lightly.

If you’ve trusted me with your home financing journey… thank you.





04/01/2026

That “low rate” might be more expensive than you think…

Not financially — but in how it’s keeping you stuck.

A lot of homeowners right now are quietly wrestling with the same decision:
Stay comfortable… or move forward?

The market is shifting, and so are people’s priorities.

If you’ve been going back and forth in your head, you’re not the only one.

💬 Curious what moving could actually look like for you in today’s market?
Send me a message — I’ll break it down for your situation.






realestateexpert
interestrates

03/26/2026

🏡 Buying a home today isn’t harder — it’s just different.

The buyers winning in today’s market aren’t waiting for things to feel like 2019 again. They’re adjusting their strategy.

That might mean:
✔️ Understanding their real monthly payment
✔️ Adjusting their budget
✔️ Creating extra income streams
✔️ Planning ahead before they start house hunting

The truth is homeownership today requires preparation, not perfection.

And the buyers who prepare early usually have the biggest advantage.

💬 Are you planning to buy a home in the next 12–24 months?

Save this video so you can come back to it later, and share it with someone working toward homeownership.

buyingahome financialgoals housingmarket realestateadvice mortgageadvice

03/19/2026

🚨 Mortgage rates in 2026 probably won’t do what most people expect.

Many buyers are waiting for rates to crash… but forecasts from housing economists suggest something different.

Experts at Fannie Mae, the Mortgage Bankers Association, and the National Association of Realtors are all projecting mortgage rates to stabilize, not crash.

📊 Most forecasts show rates settling around 5.9%–6.3%.

That means this may not be a market about waiting for 3% rates again…
It’s a market about having the right strategy.

💬 Are you waiting for rates to drop before buying?

Save this video for later and share it with someone thinking about buying a home this year.

housingmarketupdate buyingahome mortgageadvice firsttimehomebuyer realestateinvesting

03/13/2026

🚨 Home buyers are starting to lose houses again.

Multiple offers are quietly coming back in many markets as inventory stays low and buyer demand picks up.

If you’re planning to buy in 2026, getting pre-approved early could be the difference between winning or losing the home you love.

💬 Are you planning to buy a home this year?

Save this for later and share it with someone house hunting.

buyingahome mortgagerates housingmarket2026 realestateadvice

01/30/2026

🚨 BIG mortgage update that most buyers don’t fully understand 🚨

❌ No more 620 minimum credit score requirement for conventional loans — and that changes everything.

Fannie Mae is no longer judging buyers by one number. Instead, they’re looking at the full financial picture:
✔️ Income
✔️ Debt
✔️ Payment history
✔️ Savings
✔️ The home you’re buying

💥 What does that mean for you?
• You may qualify even with a credit score below 620
• First-time buyers, younger buyers, and recent immigrants now have more opportunity
• Some buyers who needed FHA before may now qualify for conventional loans
• Strong income, low debt, and solid assets matter more than ever

⚠️ Important note: This isn’t an automatic approval. Some lenders still have overlays, and credit score can still affect rates and mortgage insurance.

👉 The real win here? More buyers now have a real chance at homeownership — even without perfect credit.

That’s why talking to an experienced lender matters. When we review your numbers together, you’ll know exactly what’s possible right now — not guesses, not headlines.

💬 Comment “CREDIT” if you want to know where you stand
📩 DM me if you want a personalized review

01/20/2026

READY TO BUY A HOME as a Medical Professional? 👨‍⚕️ 👩‍⚕️ 🩺

This program is designed specifically to help you overcome the unique challenges of student loans, residency transitions, and non‑traditional income — with options like up to 100% financing and no mortgage insurance.

If you’re ready to explore your options, schedule a quick call and let’s create a plan that works for you. 🏡✨

Eligible medical professionals include:

• Medical Doctors (M.D.)
• Doctors of Osteopathy (D.O.)
• Dentists (D.D.S. / D.M.D.)
• Veterinarians
• Psychiatrists
• Pharmacists
• Certified Registered Nurse Anesthetists (CRNAs)

Your next move in your medical career can also be your move into homeownership. Let’s make it happen. 🙂

01/15/2026

“What would you do if interest rates dropped?” 👀🏡

For years, homebuyers have been saying “I’m waiting for rates to come down.”
But here’s the reality 👉 rates already dropped from nearly 8% to around 6%.
That’s a 2% drop, and in real dollars… that’s HUGE.

Waiting doesn’t just mean waiting on rates.
It can mean waiting on equity, opportunity, and long-term wealth.

The smartest buyers don’t time the market — they understand it.
If you’ve been on the fence, this might be your sign.

💬 Comment “BUY” if you want to see what today’s rates mean for your payment
📩 DM me “RATE” for a personalized breakdown



BuyAHome HousingMarket MortgageLender HomeOwnership WealthBuilding RealEstateEducation FinancialLiteracy HomeBuyerTips Reels TikTokRealEstate FYP

01/06/2026

❌ Do you really need 2 years at the SAME job to qualify for a mortgage?
Most people get this completely wrong 👀

In this podcast clip, and I talk the truth about the 2-year employment rule, what lenders actually look for, and how job changes, promotions, self-employment, or commission income may or may not affect you in qualifying you for a home loan 🏡

If you’re thinking about buying a home, switching careers, or worried your job history will hold you back — this is a must-watch.

📌 Save this for later
📤 Share with someone trying to buy a home

Home Loan Tips, Buying A Home, Realtor Advice, Real Estate Tips, Mortgage Questions, Personal Finance, Housing Market, Real Estate Reels, Finance Reels, Home Buyer Education

12/29/2025

GRATEFUL doesn’t even begin to cover it.
2025 was a year of growth, unexpected blessings, meaningful connections, and powerful partnerships. I had the chance to meet some truly impactful people, and build relationships that changed the trajectory of what’s next.

Thank you to everyone who supported, believed, collaborated, and showed up this year. Carrying this momentum into an even more meaningful 2026.

What was the biggest lesson 2025 taught you?



New Connections, Partnerships, Community, Momentum, Looking Ahead, 2026 Goals

12/08/2025

Struggling to save for your first home? 🏡 You’re not alone—but it is possible! Learn how to save for a down payment faster with smart money strategies, budgeting tips, and even down payment assistance programs. Whether you’re a first-time homebuyer or a real estate enthusiast, these proven tips can help turn “someday” into “home sweet home.” 💰✨

12/04/2025

Most homeowners have more equity than they realize — but very few know how to actually use it to build wealth. 🏡💡

A HELOC can be a powerful tool for buyers who want to move into a new home without draining their savings. By accessing a line of credit backed by your current home, you can create a flexible way to fund a down payment while turning your existing property into a cash-producing asset.

This strategy has helped many buyers:
✅ Keep their current home as a rental
✅ Create passive income
✅ Expand their real estate portfolio
✅ Move forward without selling

If you’re curious whether this approach could work for you, I can help you break down the numbers and see what’s possible.

Address

114 Columbia Point Drive Suite A
Richland, WA
99352

Opening Hours

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

Telephone

+15094928792

Website

Alerts

Be the first to know and let us send you an email when Tino Martinez NMLS 1457806 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Tino Martinez NMLS 1457806:

Shortcuts

Share

Category