If you plan to buy a house, chances are you will need to finance it. That’s why there are loans. Becky Carver, branch manager at PrimeLending, wants to be on your team for securing financing for your next home. “I want to get people into a house,” says Becky, who has been serving her community since 2001. Over the years, she has met and helped many people under many imperfect financial circumstances. Becky loves to connect with people who really want to be a homeowner but have had life circumstances that they think may not be possible to overcome. “Credit does not define you,” says Becky.
It’s not uncommon for people to have medical collections or bankruptcy in their past. “It happens,” says Becky. That doesn’t mean you ignore it, and it goes away. Becky can help you answer the question, “How do you recover?” or “Where do I start?” Moving forward requires a plan and taking action. It is important to handle your credit history before you go house shopping. “I am a non-judgmental person. I have seen it all,” explains Becky. Her experience and expertise work in your favor.
“Many people are clueless about where their monthly money goes,” says Becky. She shows people how to track their monthly expenses and see where their money is going. Once she worked with a client who was spending $1,200 each month on tattoos. There’s nothing wrong with that, but if you find yourself unable to save any money, you need to be clear where your money is going.
There’s the often-told tale of the person who buys a specialty coffee drink each morning not paying attention to the $5 or greater daily outgo. It adds up to well over $1,250 per year, not to mention the calories. These factors come into play when you are figuring out what level of monthly payment you can actually afford. Where else are there leaks in your spending? Becky will help you find out.
Along the way, you’ll get your credit score. That shows what sorts of credit you have had in the past and how promptly you have made your payments. Collections, bankruptcy and other credit marks will show up, too. If you are interested in all the things that play into your credit score, you can check out this PrimeLending page. You’ll learn what needs to be addressed and cleaned up.
Get Pre-Qualified For a Mortgage
With PrimeLending, it is free to get pre-qualified. That’s an important step. In this application process, you will get a good idea of the size of your loan and how much you can afford. This will save you time searching because you are focused on your specific price range. You’ll be ready to make an offer when the one you like goes on the market. Your credit issues will be already identified and resolved. You have negotiating power because the seller knows you are ready and prepared to buy.
Becky will support you all along the process. She can offer loans that match your financial situation, even various options with a low or no down payment. PrimeLending uses local or regional loan underwriters and processors to help ensure fast, efficient closings. The company uses a digital mortgage process to keep you informed in real-time on updates and your loan status. PrimeLending offers a wide variety of loan options:
- FHA, VA and USDA loans
- Fixed- and adjustable-rate loans
- Renovation loans
- Jumbo loans
- Manufactured home loans
- Condos and more
Buying a home is one of life’s big steps. “Don’t be afraid, there are no dumb questions, be comfortable to reach out,” encourages Becky. She wants to be your finance person. Every client and situation is unique. Becky has great stick-to-it-ness. “I worked with a man for five years,” recalls Becky. They made their way through incredible challenges. He finally became a homeowner. “We cried,” says Becky. They were tears of joy.
“I do right by people,” says Becky. Talk with Becky or one of her team members at PrimeLending to find out how you get started on the path to owning your own home. Don’t let your past keep you from moving into the future.
On the first Tuesday of every month, PrimeLending offers free “Home Buying 101” classes. Click here to learn about upcoming class dates and locations.
PrimeLending has two convenient locations in Lacey and Chehalis.
4331 Lacey Boulevard SE #B, Lacey
470 N. Market Boulevard, Chehalis