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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!
I am completely humbled and honored to be among the talented people who join me on the National Mortgage Professionals Magazine’s “Next 40 Mortgage Professionals to Watch”. I look forward to continuing to earn that title in 2019 with my incredible team! https://www.nxtbook.com/nxtb…/nmpmedia/nmp_201812/index.php… I would be honored to earn your business and become your lender Read more about Zach Larichiuta Named 40 to Watch by National Mortgage Professionals Magazine![…]
Hello 2019! I hope everyone had a fantastic holiday season and has started that ease back into regular schedules. Celebration continues this month with football playoffs, Charleston Restaurant Week, The Lowcountry Oyster Festival, and much more. Here is your January 2019 calendar of events: 4,5: Beethoven’s 5th, Gaillard4: Edmondston-Alston House Candlelight Tour5: Secrets to Healthy Read more about JANUARY CALENDAR OF EVENTS IN THE CHARLESTON AREA[…]
Flood Insurance No new policies and/or renewals will be processed. Therefore, if a loan requiring flood insurance does not have the proper insurance in place, it cannot close under any circumstance. If the policy was paid before the shut down or is not yet due for renewal, there is no impact. The shut down only impacts Read more about WHAT A GOVERNMENT SHUTDOWN MEANS TO THE MORTGAGE INDUSTRY[…]
While it’s always important to give back to the community, it’s especially critical during and after the holiday season. There are numerous families that struggle to fill their home with holiday decorations, give their children and spouses gifts they’ll never forget, and provide home cooked meals for their family and friends. For those that want Read more about Where to Donate in Charleston After the Holiday Season Clean-out![…]
Break out the eggnog and get your guest rooms ready for visitors, Christmas time is here! This is one of the most special times of year in the lowcountry. The Boat parade, James Island County Park’s Holiday Festival of Lights and the Mt Pleasant Christmas parade are a few of my favorite things to do Read more about DECEMBER CALENDAR OF EVENTS IN CHARLESTON[…]
One of the most pervasive myths about Millennials in the recent decade is that they do not want to purchase a home. This can come from the fixed nature of wages and the influx of educated professionals in the marketplace. Others think that it’s just the attitude of the generation. Regardless, most Millennials have relegated Read more about What Millennials Need to Know About Home Loans[…]
FHFA ANNOUNCES MAXIMUM CONFORMING LOAN LIMITS FOR 2019 Fannie Mae and Freddie Mac Baseline Limit Will Increase to $484,350 FOR IMMEDIATE RELEASE 11/27/2018 Washington, D.C. – The Federal Housing Finance Agency (FHFA) today announced the maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2019. In most of Read more about FHFA ANNOUNCES MAXIMUM CONFORMING LOAN LIMITS FOR 2019[…]
Did somebody say Thanksgiving? I don’t know about, but I feel this year is going by at a rapid rate! This month also brings oysters, basketball, Holiday Festival of Lights, and chili. Here is your calendar of events for November: 1-3: Coastal Carolina Fair still in town, Ladson 1-3: Scottish Games and Highland Gathering 1-4: Read more about NOVEMBER CALENDAR OF EVENTS IN CHARLESTON[…]
Getting around during the holidays is a tough task, no matter the city. In Charleston, traveling during the holiday season can be a particularly difficult and arduous experience due to the size of the city and the increase in traffic during the holiday season. In planning any important or long journey, it’s essential to know Read more about Holiday Travel Tips for Charleston[…]
As a homeowner or resident of South Carolina’s coastline, learning to mitigate and manage fungus is part of the deal. Mold grows in humid, warm, and damp conditions — a common climate for SC. To no surprise, fungal infections like athlete’s foot and ringworm thrive in these conditions too. Learn how best to keep your Read more about Keeping Your Home and Skin Fungus-Free During Humid Months[…]