Zac Zerbst Loan Officer NMLS #1431624

06/08/2026

Higher rates don't have to keep you out of the market.

With a lower fixed rate for the first 5 years, our 5/6 Adjustable RateMortgage could help lower your upfront monthly payments for years 1-5 and make homeownership feel more within reach.

Limited-time 5.99% | 6.433% Annual Percentage Rateoffer ends June 8.*

Let's see what may be possible before the deadline. Message me today.


*Offer only applies to direct originations made by PrimeLending for first lien mortgage purchase or refinancing transactions, not available on brokered loans. Borrower must apply before offer's expiration date. Offer valid from 05/23/2026 to 06/12/2026. 5/6 conventional adjustable rate mortgage loan scenario based on 740+ credit score, loan amount of $425,000, interest rate of 5.99%/6.433% annual percentage rate, 22.73% down, and monthly payment of $2,545.36 for years 1-5. Product has a fixed interest rate for the first 5 years, after which the rate can change once every 6 months for the remaining life of the loan. Minimum/Maximum monthly Payment Schedule: Years 1-5 ($2,545.36); Year 6 ($1,879 min - $3,313 max); Years 7-30 ($1,879 min - $3,854 max). Rates pulled 5/22/26, subject to change. Loans subject to borrower qualifications, income, property evaluation, and final credit approval. Payments are principal and interest only, actual payments will be greater. Not a commitment to lend, availability subject to change without notice or prior obligation. Cannot be combined with any other offer. Additional restrictions may apply, contact a PrimeLending loan officer for details.

06/04/2026

Join us as we celebrate the Grand Opening of Park Circle, a boutique community offering premier single family homes and townhomes, on June 5th from 11am-1pm. Enjoy a delicious lunch and giveaways (while supplies last), and tour available homes in a fun, interactive scavenger hunt. We'll see you ther...

06/04/2026

05/12/2026

On a $389K home, up to $21,000 in loan assistance** could make could make it possible to cover your loan down payment and buy a home sooner.

With no lender fees on repayable DPAs through April, this loan assistance model could help lower your primary loan rate with a repayable down payment. It is about how the numbers work together. Let's run your numbers to find out if it can help you.

*Certain restrictions apply, offer only applies to repayable down payment assistance. Subject to down payment assistance program guidelines. Program is not available in all areas. All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as title, appraisal, etc. Must apply for loan by 06/30/2026. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions, and is not available on brokered loans. Only one offer per loan transaction is available, and savings cannot be combined with any other offer, discount, or bond program. Savings will reflect on Closing Disclosure at closing. Please contact your PrimeLending loan officer for more details. Subject to credit approval. **Dollar amounts listed based on a loan scenario with PrimeLending's no lender fees plus down payment assistance promotion. First lien loan based on a FHA fixed rate loan, loan amount of $355,844, loan term of 360 months, down payment of amount of $33,056, interest rate of 6.625%, annual percentage rate of 7.328%, with a monthly payment of $2,278.51. Second lien loan amount based on a conventional fixed rate loan of $19,445, loan term of 120 months, interest rate of 10%, annual percentage rate of 10%, with a monthly payment of $256.97. Combined total monthly payment for years 1-10 will be: $2,535.48. For years 11-30: $2,278.51. Scenario assumes a credit score of 740+. Rates pulled 1/30/26, rates subject to change. Loans are subject to borrower qualifications, including income, property evaluation, and final credit approval. Payments shown are principal and interest only, and do not include amounts for taxes and insurance premiums (if applicable). The actual payment obligation will be greater. Loans shown are examples only, your savings will vary.

05/10/2026

Think you need a big down payment to buy a home? Not always.

With a USDA loan, qualified buyers can purchase with no down payment. And the eligible areas might surprise you. Many include suburbs and smaller communities, not just rural farmland.

If you want to buy without waiting on a big down payment, send me a message and I'll help you see if a USDA loan fits your plans.

05/09/2026

If you've earned VA loan benefits, they could make buying a home more affordable.

For qualified Veterans and active-duty service members, a VA loan can offer advantages like no down payment, no private mortgage insurance,* and no VA lender fees.**

This can help lower how much cash you need upfront and make your budget go further.

DM me to see how your VA loan benefit could help you get into a home.

*There is an up front funding fee that takes the place of mortgage insurance.
**All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as VA funding fee, title, and appraisal etc. Down payment waiver is based on VA eligibility. Must apply for loan by 6/30/2026. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions, and is not available on brokered loans. Only one offer per loan transaction is available, and savings cannot be combined with any other offer, discount, or bond program. Savings will reflect on Closing Disclosure at closing. Subject to credit approval.

05/08/2026

Coming up with a down payment can be one of the biggest barriers to buying a home. Repayable down payment assistance is designed to help when cash upfront is the challenge.

For a limited time, repayable down payment assistance is available with no lender fees*, helping you move forward without adding extra upfront costs.

If you're wondering whether this option could help you take the next step, let's look at your situation and talk through what's possible.

*Certain restrictions apply, offer only applies to repayable down payment assistance. Subject to down payment assistance program guidelines. Program is not available in all areas. All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as title, appraisal, etc. Must apply for loan by 06/30/2026. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions, and is not available on brokered loans. Only one offer per loan transaction is available, and savings cannot be combined with any other offer, discount, or bond program. Savings will reflect on Closing Disclosure at closing. Please contact your PrimeLending loan officer for more details. Subject to credit approval.

05/05/2026

Bi-weekly payments could cut years off your mortgage without making a huge dent in your wallet.

When you make half of your monthly mortgage payment every two weeks, you end up making the equivalent of one extra monthly payment each year. That extra payment goes toward your principal, which helps you shorten your loan term.

Want to see how much you could save? Send me a message and I'll send you my bi-weekly mortgage calculator.

04/29/2026

That to-do list can get expensive fast. A renovation loan gives you a way to roll home improvement costs into financing instead of trying to pay for every project out of pocket at once.

This can be especially helpful if you've been putting off repairs, planning updates room by room, or waiting until your budget feels less tight.

Rather than letting the list keep growing, a renovation loan can help you take on the work with a plan that fits your budget.

Send me a message to talk through how it works and if it could help with the projects you've been wanting to get done.