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Why Borrow Locally?

Today on My Greenville Home Radio, Dan is speaking with Gina Parrish, local mortgage consultant with Countybank Mortgage and one of Hamilton & Company’s Preferred Lenders. Gina shares her insight into the local real estate market and how she helps buyers create personalized plans for her clients.

Prior to joining Countybank in 2020, Gina worked for a top Fortune 500 company as a Business Account Manager and has more than 8 years of experience in sales and marketing. She received her Bachelor of Science in International Business and Bachelor of Arts in Spanish from Converse College. Gina is from of Spartanburg and a graduate of Dorman High School. She now lives in Greenville and enjoys her time exploring the Upstate with her husband and twin boys.

What’s the latest on mortgage rates?

Historically low interest rates are a thing of the past. Since the beginning of the year, rates have been steadily climbing, but the last week or two, they seem to have leveled out around 5.30%. This number feels high compared to the last couple years, but is still a really great rate compared to past decades. Despite rising rates and prices, 2022 is historically still an amazing time for buyers to invest and build equity.

What type of loan do you recommend in this market?

In an aggressive seller’s market, a conventional loan is competitive option due to their simplicity. When there are 10-15 contracts for a seller to choose from, conventional often stands out for this reason. Ultimately, the type of loan you should consider depends on many factors, and Gina works closely with each of her clients to craft a personalized loan plan that will serve them well.

One of the benefits of working with a local bank like Countybank is flexibility. Gina knows self-employment, experience gaps, and other special circumstances exist that often make obtaining a loan difficult. As a local mortgage consultant, Gina can work around some of these challenges and piece together a completely unique plan that will help you realize your home dreams.

Why work with Gina?

Gina doesn’t just love helping her clients buy their dream home, she loves educating and walking alongside of her community as well as her clients. Even if a potential client is 6 months to a year away from buying a home, Gina loves meeting to answer questions, solve problems, and brainstorm together. She is in it for the long haul with her clients.

Get In Touch!

If you would like to talk with Gina and learn more about her personalized approach to the home loan process, call or text her directly at 864-706-8042. She would love to talk with you!

Listen to the rest of this episode of My Greenville Home Radio:

A picture of Real Estate Agent Dan Hamilton

Dan Hamilton is the founder of Hamilton & Co. and the lead listing agent for the team. He is the only agent in the Upstate endorsed by Shark Tank star and real estate mogul Barbara Corcoran. Additionally, Dan hosts a weekly radio show on The Answer 94.5 and 106.3 WORD giving tips and advice on real estate and is a frequent contributor for real estate on Your Carolina TV show on WSPA Channel 7.

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