Ryan C Jones NMLS 93515

02/26/2025

Waiting for lower rates may not be the best move, here’s why. When rates drop, more buyers jump into the market, driving up demand—and often, home prices. Even with a lower rate later, a higher purchase price could mean a bigger mortgage payment in the long run.

Instead of trying to time the market, focus on what you can afford today. Buying now lets you start building equity sooner.

Let’s chat about your options and find the right time for you! Message me to start a conversation.

02/10/2025

For a limited time, save on your mortgage with our Spring Into Savings Buydown Program. This 1-0 temporary buydown* lowers your effective interest rate and payments during the first year of your FHA, VA, or USDA loan, making homeownership more affordable.

Don’t wait—this offer won’t last long! Contact me today and mention promo code SPRING SAVINGS to learn more.

*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.

10/09/2024

What’s the deal with credit scores? This 3-digit number represents how likely you are to repay debts and directly impacts how low of an interest rate you can secure. You can boost your credit score by:

Paying your bills on time
Avoid closing or opening credit accounts
Checking your credit history for errors

Wondering what you can afford? Let’s connect and I can get you a custom quote.

09/18/2024

This is great news!

08/13/2024

07/23/2024

Has your home financing search gotten a little bland? Whether you want to buy, renovate, or build, I’ve got loan options to help spice things up! Not to mention down payment assistance programs* that really bring the heat. DM me to discover your recipe for success.

*Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

When dealing with your home financing, I not only work with one of your largest personal financial investments; I also handle one of your biggest dreams. As your mortgage planning specialist, I will give you my best consistently.

06/24/2024

For a limited time, dive into homeownership with lower payments thanks to Summer Splash Buydown program, PrimeLending’s 1-0 temporary buydown!* By effectively lowering the interest rate on the first year of your FHA, VA or USDA loan, your journey to becoming a homeowner could be smooth sailing. How is that possible? Funds for a 1-0 buydown are placed into an escrow account that will be used to subsidize your mortgage payments for the first year of the loan, making the first year of homeownership more affordable. When the first year is up, your payments will return to the standard fixed rate. Contact me today and mention promo code SUMMER SPLASH to get all the details.

Lower payments mean more affordability, more money in your pocket and more time to adjust to a new budget. That’s more reasons to jump into homeownership this summer! Contact me today and mention promo code SUMMER to get all the details.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending by 8/31/24 and loan must close by 12/31/24. 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.

https://lo.primelending.com/rcjones

06/06/2024

A renovation loan is a type of home mortgage that can help borrowers finance the updates/repairs they want or need to make to their current homes. Looking to buy a fixer upper? A renovation loan can handle that too by rolling the purchase and renovation costs into one loan.

Have questions about renovation loans? Let's chat! DM me today to learn more.

05/01/2024

Thinking about purchasing a home? ??
The time it takes to buy a home can vary depending on various factors (market conditions, transaction complexity, and individual circumstances).
On average, the home buying process generally takes between 4 to 6 weeks from the time an offer is accepted to the closing date.
Approval: 1-2 weeks
Home search: varies
Offer negotiation: 1-2 days
Mortgage approval: 2-4 weeks
Closing: 1-2 weeks
We work closely with you every step of the way to ensure a Simple home loan process. ??

Please note these time frames are averages and depend on many factors. Your experience will vary.

04/09/2024

Unexpected expenses deflating your budget like an old party balloon? Don't drain your savings. Increase your cash flow with a cash-out refinance instead! A cash-out refinance* can help you free up your cash flow to finance things like a new roof, plumbing issues, and more. Connect with me to learn more!?

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.