What Millennials Need to Know About Home Loans

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[…]

holiday travel tips

Holiday Travel Tips for 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[…]

Keeping Your Home and Skin Fungus-Free During Humid Months

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[…]


Did you know that Zach Larichiuta and the Lucy Lending Team of Charleston are licensed in multiple states? We are now licensed in North Carolina, George and Florida: as well as our established license and presence in South Carolina. We feel it is vital to be available to our valued clients in every capacity that Read more about WE ARE LICENSED IN MULTIPLE STATES[…]

EPMI – Enterprise Paid Mortgage Insurance

Most people are familiar with the term “Borrower Paid Mortgage Insurance”, as well as the option for “Lender Paid Mortgage Insurance”. This past July, Fannie Mae, announced the introduction of an additional mortgage insurance pilot program. The mortgage insurance option is called Enterprise-Paid Mortgage Insurance (EPMI) and allows a lender to deliver an over 80% Read more about EPMI – Enterprise Paid Mortgage Insurance[…]


What an incredible summer we had! The best part of the year is approaching quickly: fall! School is back in session, football is starting, and cooler temps are on the way. September is going to be a great month. The Lowcountry Jazz Festival kicks things off at the Gaillard Center. Charleston Restaurant Week and Charleston Read more about CHARLESTON EVENTS IN SEPTEMBER[…]

First Time Home Buying

The Journey of First-time Home Buying

To a growing number of people nowadays, first-time home buying can be a daunting task. Many degree-holding adults and people looking to buy their first home have reservations about home ownership. This is due to the possibility of high debts and initial costs, the extensive process of purchase, and the long-term challenges of owning a Read more about The Journey of First-time Home Buying[…]