Andrei Marinenko, Team Loan Officer

Andrei Marinenko, Team Loan Officer 18+ years of experience originating mortgage loans At PrimeLending, we are Home Loans Made Simple®. primelending.com/legal

Equal Housing Lender

PrimeLending NMLS ID: 13649
I’m Andrei Marinenko, NMLS: 196282, Loan Officer with PrimeLending, a national mortgage lender making the home loan process 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-f

riendly 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.

Thinking about updating your space? A home renovation can do more than improve appearance—it can make your home work bet...
04/19/2025

Thinking about updating your space? A home renovation can do more than improve appearance—it can make your home work better for your life now and in the future. Whether you're planning a small update or a major remodel, the benefits go beyond the surface.

Here’s how a renovation can make a lasting impact:
✅Transform your home to fit your lifestyle
✅Add value to your property
✅Enhance your everyday comfort

If you’re curious about how to finance your renovation, reach out today—I'm here to help you explore your options.

Your mortgage payment is made up of four parts known as PITI (principal, interest, taxes, insurance). Here’s the tea abo...
04/18/2025

Your mortgage payment is made up of four parts known as PITI (principal, interest, taxes, insurance). Here’s the tea about the T part of PITI.

Depending on the terms of your mortgage, your lender will estimate what your annual property taxes will be and divide it equally across your monthly mortgage payments. The funds for these payments will come from your escrow account. However, if property tax payments aren’t part of your mortgage agreement, you will need to pay your property taxes directly to your local government.

Understanding how property taxes impact your mortgage is just one step of the process. Let us help you navigate your journey to homeownership.

Lowering your mortgage rate can make a big difference in your monthly payment and long-term savings. With the right appr...
04/17/2025

Lowering your mortgage rate can make a big difference in your monthly payment and long-term savings. With the right approach, you can improve your chances of securing a better rate. Here are a few ways to get started:

• Boost Your Credit Score — Make on-time payments, avoid opening new credit accounts before applying, and check your credit report for errors.
• Increase Your Down Payment — A higher down payment can reduce your loan-to-value ratio and improve your loan terms.
• Lower Your Debt-to-Income Ratio — Paying off small loans or credit balances can improve your debt-to-income ratio, making you a stronger borrower.
• Consider a Rate Buydown — Paying points upfront can reduce your interest rate and monthly payment.
• Choose a Shorter Loan Term — A 15-year loan often comes with a lower rate than a 30-year option.

Even small adjustments can lead to big savings. If you're ready to see what’s possible, let’s talk about your options.

Building a new home is exciting, but there’s a lot to consider to make sure the process goes smoothly. Here are a few ke...
04/16/2025

Building a new home is exciting, but there’s a lot to consider to make sure the process goes smoothly. Here are a few key things to keep in mind:

• Set a realistic budget — Factor in upgrades, unexpected costs, and long-term expenses.
• Choose the right builder — Research reviews, tour past projects, and ask plenty of questions.
• Think about functionality — Design a layout that fits your lifestyle now and in the future.
• Understand your loan options — Construction loans work differently than traditional mortgages, so it’s important to know what to expect.

If you’re planning to build and need guidance on financing, let’s talk. I can walk you through your options and help you get started with confidence. DM me for more info.

Updating your kitchen can be easier than you think. You don’t need a full renovation to make a big impact — small change...
04/15/2025

Updating your kitchen can be easier than you think. You don’t need a full renovation to make a big impact — small changes can bring new life to your space. Here are four simple ways to refresh your kitchen without starting from scratch:

• Swap Out Cabinet Hardware — New k***s and pulls can instantly modernize your cabinets and add a stylish touch.
• Upgrade Lighting — Pendant lights, under-cabinet LEDs or a statement fixture can completely change the feel of your space.
• Add a Fresh Coat of Paint — A new color on the walls or cabinets can brighten up your kitchen and give it a whole new vibe.
• Install a Backsplash — Whether it’s sleek subway tile or a bold pattern, a backsplash can add personality and protect your walls.

Thinking about a bigger kitchen update? Tell me what your ideas are in the comments.

Attention Homeowners! If you’ve been thinking about selling, now is a great time to make your move. Don’t wait for the p...
04/14/2025

Attention Homeowners! If you’ve been thinking about selling, now is a great time to make your move. Don’t wait for the perfect moment — create it. With strong demand in today’s housing market, buyers are actively searching, and your home could be exactly what they’re looking for. Whether you’re upgrading, downsizing or relocating, this could be your chance to make the transition easier.

If you’re ready to explore your home loan options for your next move, let’s connect today. I’m here to help.

It’s that time of year again! Here are our top 3 tips to help make this year’s spring cleaning a little easier:• Plan an...
04/05/2025

It’s that time of year again! Here are our top 3 tips to help make this year’s spring cleaning a little easier:

• Plan and prioritize. Make a list of where/what you want to clean and break it down into manageable tasks.
• Declutter first. Start off by organizing your items into “keep”, “donate” and “toss” piles, after all, the fewer items you have, the less there is to clean.
• Start small. Don’t try to tackle the whole house in one day. Instead, start off in a small area and work your way around the room.

With these simple tips, you’ll have your home feeling fresh and organized in no time. Happy spring cleaning!

Home affordability is about more than just the price of a house. It involves the full financial picture and what fits wi...
04/04/2025

Home affordability is about more than just the price of a house. It involves the full financial picture and what fits within your budget. If you're planning to buy, here are a few key factors that can impact what you can afford:

• Interest Rates — Even a small change in rates can affect your monthly payment.
• Down Payment — A larger down payment can lower your loan amount and may reduce mortgage insurance costs.
• Credit Score — Higher scores can help you qualify for better loan terms and lower interest rates.
• Debt-to-Income Ratio — Lenders look at your monthly debt compared to your income to determine how much you can borrow.
• Property Taxes & Insurance — These costs vary by location and should be factored into your budget.

Understanding these factors can help you make smart financial decisions before you buy. If you want an idea of what you can afford, try my free home affordability calculator. Comment below and I’ll send you the link!

A big down payment isn’t always necessary to buy a home. There are down payment assistance programs* that can help make ...
04/03/2025

A big down payment isn’t always necessary to buy a home. There are down payment assistance programs* that can help make homeownership more affordable, whether you're a first-time buyer or just need a little extra support.

Here are a few programs that could help:
• FHA Down Payment Assistance — Some state and local programs offer grants or second mortgages to cover the cost of a FHA down payment.
• HomeReady by Fannie Mae — Provides a lower down payment option, with options for down payment assistance from grants or gifts.
• HomePossible by Freddie Mac — Designed for low- to moderate-income buyers, offering a low down payment option with flexible funding sources.

If saving for a down payment has been holding you back, let’s talk. I can help you explore available programs and see what you qualify for. DM me to start a conversation.
*Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

Thinking about an Adjustable-Rate Mortgage (ARM)? Here’s what you need to know!An ARM offers a lower introductory intere...
04/02/2025

Thinking about an Adjustable-Rate Mortgage (ARM)? Here’s what you need to know!

An ARM offers a lower introductory interest rate for a set period, such as 3, 7 or 15 years, before adjusting based on market rates at set intervals. This can be a great option if:

• You plan to move or refinance before the fixed-rate period ends
• You want lower initial payments compared to a traditional fixed-rate mortgage
• You’re comfortable with potential rate adjustments in the future

An ARM can be a smart way to save money upfront while keeping your options open. Want to learn about more ways I can help make homeownership more affordable? Let’s chat!

Did I have you fooled for a second? While your pet may not be able to cosign your mortgage, we do offer over 400 home lo...
04/01/2025

Did I have you fooled for a second? While your pet may not be able to cosign your mortgage, we do offer over 400 home loan programs to help you give your pet the backyard of their dreams. I’m PAW-sitive you’re going to find something that works for you and your fur babies. DM today to get the ball rolling.

Ready to spring into a new home this season? Use this checklist to get moving:• Get organized — Gather your documents, g...
03/31/2025

Ready to spring into a new home this season? Use this checklist to get moving:

• Get organized — Gather your documents, get qualified*, and set a budget. I can help!
• Make a wants vs. needs list — Sit down with everyone in your household and define what’s essential and what’s a bonus.
• Start your search — Browse listings online and save the ones that stand out.

A few extra tips: Keep an open mind, don’t overlook fixer-uppers, trust your agent, and stay patient — everything has a way of working out! If you're thinking about buying, DM me and we can talk about your options.
*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.

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2440 Research Boulevard, Suite 450
Rockville, MD
20850

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Monday 7am - 11pm
Tuesday 7am - 11pm
Wednesday 7am - 11pm
Thursday 7am - 11pm
Friday 7am - 8pm
Saturday 10am - 7pm
Sunday 12pm - 9pm

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