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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!
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 email@example.com 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 firstname.lastname@example.org #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[…]
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[…]