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CHARLESTON MORTGAGE LENDER
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!
Cash may be king, but words are pretty powerful, too: One of the most effective ways to win a bidding war is to write the seller a letter as well as getting a full credit approval with your mortgage lender prior to placing an offer. All-cash offers nearly doubled a buyer’s chances of trumping others, Read more about HOW TO WIN A HOME IN CHARLESTON’S COMPETITIVE MARKET[…]
It’s time to break out those boots, scarves, and hats. November is here and that means cooler weather, the Carolina Fair, and oyster roasts are coming to Charleston. Thanksgiving is also upon us and the holiday season opens with the Holiday Festival of Lights at the James Island County Park. Here are your November Read more about CHARLESTON NOVEMBER CALENDAR OF EVENTS[…]
Cooler weather is coming and we are certainly ready for a break from the heat! September brings the Jazz Fest, Charleston Restaurant Week, and Charleston Beer Week all in the same month. Here is your September calendar of events: Aug 30-Sept24: Disney’s The Little Mermaid, Dock St Theater 1-3: 9th Lowcountry Jazz Festival, N Read more about SEPTEMBER CALENDAR OF EVENTS IN CHARLESTON[…]
Charleston, South Carolina: the largest and oldest city in the entire state. This gorgeous port city, which was founded in 1670, has been around to witness America’s best and worst moments. It’s now evolved into a festive, bustling town that anybody would be lucky to lay eyes on. Charleston represents a harmonious marriage of the Read more about 6 Reasons Charleston Is The Perfect Home For You![…]
Did you know Charleston is the last place you will see the total Solar Eclipse on Aug 21st and considered the best city to watch it in?! Events for that day include the Eclipse Baseball Game at Joe Riley Park, an all-day program at the Children’s Museum, Citadel Mall is an official NASA viewing location, Read more about AUGUST CALENDAR OF EVENTS IN CHARLESTON[…]
Did you know more than 10% of the U.S. population identifies as self-employed, a freelancer or a solopreneur; and this isn’t even counting the gig economy. Many of these self-employed workers are entrepreneurs attributed to their tech and product innovations. While there is much praise for given to individuals who found their own businesses and Read more about BUYING TIPS FOR THE SELF-EMPLOYED[…]
Do you know what July in Charleston means? That means cookouts, vacation, sun, sand, the ocean and lots of fun events in our beloved city! There’s great music coming to town this month as well. The boys of summer are at it again at Joe Riley Stadium. It’s anyone’s guess what Riverdogs owner Mike Veeck Read more about JULY IN CHARLESTON: CALENDAR OF EVENTS[…]
For the third time in a decade, a proposal to develop a prime piece of real estate on Charleston’s upper peninsula has fallen apart over access road. North American Properties had planned to transform the 160-acre Laurel Island site off Romney Street into a $1 billion upscale, mixed-use community. The plan included mixing retail with Read more about 3RD TIMES A FAIL TO DEVELOP $1B LORELEI PROJECT OFF CHARLESTON’S UPPER PENINSULA[…]
Many real estate experts are predicting an overall positive housing market for 2017, despite the uptick in interest rates that are checking in at 4.25 percent and higher as of June 1. Compared with below 4 percent in 2016, this rate rise could slow home sales. But, since interest rates are still at historic lows Read more about 5 HOUSING TRENDS WE EXPECT IN 2017[…]
June is here and it is already steamy! Spoleto is almost half way over, but there are still lots of amazing things to enjoy from it. Our very own Stingrays Hockey team has made it to the Championship Finals of the Kelly Cup. If you love our local hero Bill Murray as much as we Read more about June Events In Charleston![…]