Tina Cibelli, Production Manager, PrimeLending

Name: Tina Cibelli, Production Manager, PrimeLending
Address: 1701 Lombard Street Ste 104 Office 6, Oxnard, CA, 91301, US
Telephone: +18183267466

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Oxnard, CA
Tina Cibelli, Production Manager, PrimeLending

Prime Lending NMLS ID 13649 I'm Tina Cibelli NMLS: 483611, Loan Officer with PrimeLending.

primelending.com/legal Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org

07/23/2026

Wondering what all this means? A temporary buydown allows funds to be put into escrow upfront to go towards mortgage payments for up to 3 years. A 3-2-1 temporary buydown can reduce the effective interest rate for three years and will lower the rate by 3% the first year, 2% the second year, and 1% the third year. The rate returns to the original fixed rate after the buydown period. As the borrower, a 2-1 temporary buydown can reduce the effective interest rate for two years, by 2% the first year and 1% the second year. A 1-0 temporary buydown can reduce the interest rate by 1% for the first year of the loan. Happy to answer any additional questions about temporary buydowns and how they work. Subject to investor guidelines.

07/20/2026

Does the idea of saving for annual insurance premiums and property taxes give you heartburn?

An escrow account can make it easier by spreading those big costs out into predictable monthly payments-so you're not hit all at once.

If you questions about escrow accounts or anything mortgage related, I have answers. Reach out and I can help.

07/17/2026

Homeownership creates more than comfort - it creates opportunity. It's a powerful step toward financial independence and long-term security for your family.

Whether it's your first home or your first big step toward generational wealth, we'll guide you with clarity, care, and expert support.

07/16/2026

It's almost time for soccer's biggest match. Where's the best place in town for a watch party?

07/15/2026

Day dreaming about updating your kitchen?

Whether it's more storage, new countertops, a bigger island or simply a layout that works better for your family, a renovation loan may help you tackle the project without draining your savings.

Depending on the loan program, you may even be able to finance the renovation costs as part of your mortgage, keeping everything in one monthly payment.

If you've been putting off a kitchen remodel because of the cost, let's talk. I'd love to hear what you're hoping to accomplish and help you explore your financing options.

07/13/2026

Need access to your home equity but not sure which option makes the most sense?

A cash-out refinance* and a HELOC** can both help you tap into your equity, but they work differently. One may be a better fit depending on your current mortgage, your financial goals and how you plan to use the funds.

That's why I always recommend looking at the numbers before making a decision.

If you're considering using your home's equity, let's compare your options and find the solution that works best for you.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.
**All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

07/04/2026

Happy Fourth of July! Today is our chance to pause and appreciate the ideals our country was built on - opportunity, resilience and the hope of a better tomorrow.

While everyone's story looks a little different, we're grateful for the moments that bring us together like time with family, honoring those who serve and reflecting on what matters most.

How are you celebrating today? Share your favorite traditions in the comments, we'd love to see how you're spending the holiday.

07/03/2026

If you've earned VA loan benefits, they could make buying a home more affordable.

For qualified Veterans and active-duty service members, a VA loan can offer advantages like no down payment, no private mortgage insurance,* and no VA lender fees.**

This can help lower how much cash you need upfront and make your budget go further.

DM me to see how your VA loan benefit could help you get into a home.

*There is an up front funding fee that takes the place of mortgage insurance.
**All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as VA funding fee, title, and appraisal etc. Down payment waiver is based on VA eligibility. Must apply for loan by 6/30/2026. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions, and is not available on brokered loans. Only one offer per loan transaction is available, and savings cannot be combined with any other offer, discount, or bond program. Savings will reflect on Closing Disclosure at closing. Subject to credit approval.

06/26/2026

Rent pays for right now. Owning can help build what's next.

That's the power of building home equity. It can give you more room to plan, move, improve, or grow over time.

Knowing your options changes everything. Let's build a game plan together. Message me.

06/24/2026

Tired of feeling like your place never really feels like yours?

Owning a home can mean more than building equity. It can mean more freedom, more stability, and the ability to truly make a space your own.

And if buying feels out of reach right now, you may have more options than you think.

DM me and let's talk through what homeownership could realistically look like for you.

Address

1701 Lombard Street Ste 104 Office 6
Oxnard, CA
91301

Telephone

+18183267466

Website

https://lo.primelending.com/tina.cibelli/

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