Tina Cibelli, Production Manager, PrimeLending

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United States
Oxnard, CA
Tina Cibelli, Production Manager, PrimeLending

Prime Lending NMLS ID 13649 I'm Tina Cibelli NMLS: 483611, Loan Officer with PrimeLending.

primelending.com/legal Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org

09/03/2026

Day dreaming about updating your kitchen?

Whether it's more storage, new countertops, a bigger island or simply a layout that works better for your family, a renovation loan may help you tackle the project without draining your savings.

Depending on the loan program, you may even be able to finance the renovation costs as part of your mortgage, keeping everything in one monthly payment.

If you've been putting off a kitchen remodel because of the cost, let's talk. I'd love to hear what you're hoping to accomplish and help you explore your financing options.

09/02/2026

Invest Smarter. Grow Faster.
Our DSCR Investor Cash Flow loan program is designed to simplify financing for real estate investors-no traditional income verification required.
- Loans up to $3M
- Purchase, refinance, & cash-out options*
- First-time investors welcome
From your first property to your fifteenth, this could be your key to unlocking more opportunities in your portfolio. Let's talk strategy today!

Product info as of 2/12/26, subject to change . *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.

08/31/2026

Buying a home is a big commitment, but it can also be an investment in your future.

I recently came across a statistic showing that homeowners' net worth is nearly 38 times higher than renters'. I can help you estimate a comfortable payment and see what homeownership could look like based on your finances.

Source: Investopedia, 2026

08/28/2026

Someone asked me recently if it's possible to use their home equity without having to sell their house. It made me realize how many people still think a reverse mortgage means giving up their home. It doesn't.

Eligible homeowners 62 or older can use a reverse mortgage* to access some of the equity they've built, without making a monthly payment. They're still responsible for the property taxes, homeowners insurance and upkeep, and the loan is typically repaid when the home is sold or is no longer their primary residence.

Wondering if a reverse mortgage is the right fit for you? I can explain the requirements and help you find out if you qualify.

*These are brokered loan products. All credit decisions for brokered loan products will be made by the third-party lender. Restrictions and limitations apply. Not available in the state of NY. Please see https://www.primelending.com/refinance/reverse-mortgage for additional information. It is strongly advised that you consult with your family and/or trusted financial planner when considering any reverse mortgage loan.

08/26/2026

What you may be able to borrow and what feels comfortable each month can be two different numbers.

I can help you compare the payment, cash needed to close and the amount you want left in your budget after the move. That gives you a more useful homebuying range before you start shopping.

08/24/2026

If you have a good mortgage rate, you may not want to give it up just to access your equity.

A home equity loan* may let you borrow what you need while keeping your current mortgage and rate in place. I can help you compare the additional payment and total cost.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

08/21/2026

Looking for a little more breathing room in your monthly budget? Take a look at whether PMI (private mortgage insurance) is still part of your mortgage payment.

Depending on the loan product, if you've paid down your balance or your home's value has gone up, you may be able to remove it and lower what you pay each month. I can run your numbers to see if you're able to remove your PMI.

07/23/2026

Wondering what all this means? A temporary buydown allows funds to be put into escrow upfront to go towards mortgage payments for up to 3 years. A 3-2-1 temporary buydown can reduce the effective interest rate for three years and will lower the rate by 3% the first year, 2% the second year, and 1% the third year. The rate returns to the original fixed rate after the buydown period. As the borrower, a 2-1 temporary buydown can reduce the effective interest rate for two years, by 2% the first year and 1% the second year. A 1-0 temporary buydown can reduce the interest rate by 1% for the first year of the loan. Happy to answer any additional questions about temporary buydowns and how they work. Subject to investor guidelines.

07/20/2026

Does the idea of saving for annual insurance premiums and property taxes give you heartburn?

An escrow account can make it easier by spreading those big costs out into predictable monthly payments-so you're not hit all at once.

If you questions about escrow accounts or anything mortgage related, I have answers. Reach out and I can help.

07/17/2026

Homeownership creates more than comfort - it creates opportunity. It's a powerful step toward financial independence and long-term security for your family.

Whether it's your first home or your first big step toward generational wealth, we'll guide you with clarity, care, and expert support.

Address

1701 Lombard Street Ste 104 Office 6
Oxnard, CA
91301

Telephone

+18183267466

Website

https://lo.primelending.com/tina.cibelli/

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