Vicki Erickson, Loan Originator, NMLS: 452438

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Waite Park, MN
Vicki Erickson, Loan Originator, NMLS: 452438

I’m Vicki Erickson, NMLS: 452438, Loan Officer with PrimeLending, a national mortgage lender. At PrimeLending, we are Home Loans Made Simple.

PrimeLending NMLS ID: 13649 Equal Housing Lender For licensing information, go to: www.nmlsconsumeraccess.org I'm Vicki Erickson, NMLS: 452438, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. For nearly three decades, we have helped people buy..., refinance and renovate their homes. PrimeLending’s loan officers give customers personal attention and e

xplain their options every step of the 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 Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal

11/10/2025

If you’re active duty, a veteran, or a qualifying spouse, a VA loan could open more doors for you than you might realize. With a PrimeLending VA loan, there are no lender fees*, no down payment required, and no private mortgage insurance (PMI)** — which means you keep more of your money where it matters. I’ll walk you through each step so you know exactly what to expect and feel confident from start to finish.
Let’s connect and talk about how a VA loan could work for you and your homebuying plans.
*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 12/31/2025. 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.
**There is an up-front funding fee that takes the place of mortgage insurance.

01/11/2025

No matter where you are at home or second home, please reach out as I can be your lender in all 50 states. Reach out at any time with questions.

11/23/2024

DPA Programs Explained?
🏡 Don’t have enough to put 20% down? Don’t stress. 💸
Down payment assistance programs (DPAs) are designed to help ease the down payment hurdle. DPAs provide a percentage based on the original loan amount that you can put toward a down payment and to cover closing costs. 🙌
📩DM me what your goals are and I can walk you through your DPA options. ✨

09/25/2024

Did you know that down payment assistance programs* can help make homebuying more accessible? 🏡✨

Down payment assistance programs are designed to help homebuyers achieve homeownership without having to make a 20% down payment. They can even be used to help cover closing costs! 💸🔑

Contact me today to learn about your down payment assistance program options.

09/18/2024

Big news out of today’s Federal Reserve meeting! For the first time since 2020, the Fed lowered interest rates by 0.5%. Mortgage rates may soon fall as well.
If you’ve been waiting for rates to drop to buy or refinance a home, now could the time to act! Let’s connect to talk about what this could mean for you.

06/26/2024

Discount Points VS Temp Buydown:
Not loving your rate options? 😕 I know how you can reduce your interest rate temporarily or even over the life of your loan. Two common options are discount points and a temporary buydown.

💡 Discount points are upfront fees paid by a borrower to get a permanently reduced interest rate for the life of the loan. One mortgage point typically costs 1% of the mortgage value and reduces the interest rate by .25%. Mortgage discount points are a good option when you plan to stay in the home for a while and can reach your "break even" point.

🏠 A temporary buydown is a lump sum paid up front to an escrow account that is used to lower your monthly payments temporarily, thereby reducing the effective interest rate on your mortgage for the first 1, 2 or even 3 years When a seller contributes those up-front funds, this reduces your expense during the buydown period to help you ease into the costs of homeownership.

No matter what your needs are, I have solutions to help you. 🤝

06/05/2024

Wait or Buy?
Holding out on buying a home in the hope of getting a lower interest rate? 🏡📉 I totally get it! Here are my thoughts on why waiting for rates to drop might not be the best idea if you can afford to buy.

Potential homebuyers priced out of today's market will be itching to buy if rates come down. 🏃‍♂️🏃‍♀️ You may want to avoid the competition from other buyers flooding the market.

Rates change, so do home and rent prices. 📈🏠 While you're waiting for rates to come down, housing prices may continue to rise which can make the overall cost of homeownership more expensive. You can lock in a steady mortgage payment now and enjoy the equity that you build in the years to come. 💰🔒

Deciding whether you want to wait or not depends on your individual circumstances. Chat with a financial advisor or send me a DM to help you weigh the pros and cons! 💬📊

05/24/2024

🏡 Ready to find your dream home? 💫 Don't skip this crucial step! Get a quick estimate of your home buying power with PrimeLending's online application. 📲💼 Our easy process helps you and your realtor stay within your budget. Let's make your home buying journey smooth and low stress!
Home Loans Made Simple ✔

🏠💰

04/30/2024

Buyers Tip
This important step in the home 🏠 buying process gives you an estimate of how much you are qualified* for, so you and your realtor can stay within your home 🏠 buying budget. PrimeLending's online application is a quick and easy way for us to gather the necessary documents 📑 and information from you to review and work towards getting you the qualification you need so you can start your home search. 🖥️

*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.

Address

314 10th Avenue South, Suite 160
Waite Park, MN
56387

Telephone

+13203457217

Website

http://lo.primelending.com/verickson

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