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Welcome to the Lucy Lending Team. A website created to have a place to learn about our team, the market and how we can assist you with your mortgage needs in the Charleston area. Zach Larichiuta, a local Charleston Mortgage Lender, wanted to create a website for everyone to have as a resource to learn about the mortgage industry and as questions arise, be available to help. My name is Zach Larichiuta and I am a mortgage professional in downtown Charleston, who has been in the industry for over 14 years. I have recently formed a team, to be able to assist me with my goal of assisting each client with the best communication possible and to facilitate a smooth, stress free mortgage process. One question I get asked often is in regards to the fact that I am a direct mortgage lender; what that means and how it differs from a mortgage broker. As a direct mortgage lender, we cut out the intermediary that a broker would act as to their lending sources. This ability to cut out the “liaison” role will often times shorten the closing timeframe and also streamline the guidelines you must satisfy in order to be approved for the loan. We sell our loans directly to Fannie Mae, Freddie Mac and Ginnie Mae; where a broker sells first to the lender they are utilizing for that particular loan and then it is sold to the three entities mentioned before. This additional step often times lends itself to additional overlays for guidelines as precaution for the lender at the end of the transaction and can make the process more tedious and frustrating for the red tape you need to get through for an approval. We offer all of the same products and often times have more flexibility with our products than a broker, due to the fact that a broker may only have a handful of products from various lenders that do not fill your mortgage lending needs. We are always available to assist you with any questions about the mortgage process, the Charleston area and are just a phone call away! We greatly appreciate the opportunity to win your business and look forward to hearing from you. Zach Larichiuta and The Lucy Lending Team Fill out the form and get your FREE MORTGAGE CONSULTATION with one of our mortgage professionals today!
After making the decision to sell your home, there are many things to think about and check off your list before you put your home on the market. One of the first things to do is to make a plan to thoroughly clean your home so it will show well and sell quickly. Below are Read more about What to Clean Before You List Your House[…]
Like buying a home, beginning your new life with a partner by your side can be both exciting and a little scary. But similar to the feeling you get when you see the home for you for the first time, when you’ve met the one, you know it’s right and taking that next step feels Read more about Top Five Places to Propose in Charleston[…]
Sitting on the Charleston Harbor just off the Atlantic Ocean, Charleston, South Carolina, is known for its beautiful views, outstanding food scene, and southern charm. It also happens to be a great place for people with families, as South Carolinians can find many fun things to do with their children. Hang out with the fish at Read more about Things to do in Charleston With Kids[…]
Flowers are blooming, the sun is shining, and birds are singing, which means it is time for spring – or spring cleaning. This time of year is perfect for getting rid of all the clutter that accumulated during the colder months. It’s also a good time to do a deep clean before the fun (and Read more about 6 Projects That Should be on Your Spring Cleaning List[…]
March offers so many wonderful events for everyone in the Low Country! The Historic Charleston Foundation kicks offspring with the 2019 Festival of Houses and Gardens running from the 13th until April 18. We’ve got the Food + Wine Festival, St Patrick’s celebrations, great comedy, and the world’s top female tennis players come together for Read more about MARCH CALENDAR OF EVENTS IN CHARLESTON[…]
Call us TODAY! We can get you out of that commitment by these tips here! Apply for your mortgage here. Zach and the Lucy Lending Team 843-469-9010 firstname.lastname@example.org www.charlestonmortgagelender.com #secondmortgage #mortgage #interestrates #broker #lender #savemoney #money #bills #refinance #zachlarichiuta #lucylendingteam
Lock now! Call us to get a rate quote! Read more HERE. Apply for your mortgage HERE! Zach Larichiuta and the Lucy Lending Team 843-469-901 email@example.com #RealEstate #CHSRealEstate #InterestRates #Charleston #Mortgage #Investor #Homeowner #LockNow #ZachLarichiuta #LucyLendingTeam #Broker
Looking for things to do in February? If you’re an animal lover I would recommend checking out the Southeastern Wildlife Expo (SEWE). The dog dock jumping contest is AMAZING! If you are someone who likes to indulge in the month of love, there is no better place to have a romantic meal, bottle of wine Read more about FEBRUARY CALENDAR OF EVENTS IN CHARLESTON[…]
The real estate market throughout the country is slowing down but Charleston didn’t get the memo. This is partly because while the rest of the country is adjusting to the higher interest rates, Charleston is actually experiencing a bit of a housing shortage. This is great news for sellers and a bit anxiety-inducing for buyers. Whether Read more about 8 Questions To Ask Your Real Estate Agent in Charleston[…]
Mortgage rates fell moderately today, largely in response to the Federal Reserve’s policy announcement. Federal Reserve Chairman Jerome Powell issued his strongest statement yet Wednesday that the central bank has changed its outlook regarding interest rate hikes. “The case for raising rates has weakened somewhat,” Powell said during a news conference following this week’s two-day Federal Open Market Committee Read more about Mortgage Rates Fall to 3-Week Lows After Fed[…]