Darrell Sparks at GoPrime Mortgage - NMLS ID 19206

Darrell Sparks at GoPrime Mortgage - NMLS ID 19206 Helping Kentucky buyers get mortgage approvals that actually close

06/15/2026

A huge misconception many buyers face is thinking that a car loan won't affect their home application. Some folks get a raise or a new job, and the first thing they do is go out and buy a new car before applying for a mortgage.

While car dealerships can almost always find a way to finance a vehicle, mortgages follow strict guidelines and a comprehensive underwriting process.

Taking out a large auto loan right before trying to buy a house adds a heavy monthly debt obligation. When an underwriter calculates your Debt-to-Income (DTI) ratio (Step 4 in our process!), that new car payment can significantly lower the amount of home you qualify for—or even cause an application to be denied entirely.

💡 The Right Way to Do It:
If you plan on buying both, secure the home loan first. Once you’ve closed on the house, wait a few months, and then look into that new automobile.

Don't let a new set of wheels stall your homeownership dreams. Learn how your entire file is evaluated, from asset verification to risk assessment, by reviewing the step-by-step GoPrime process above!

Let's Connect:
📞 Office: 859-260-1904
📱 Mobile: 859-619-1415
📧 Email: [email protected]
🏢 GoPrime Mortgage NMLS #69551

06/12/2026

What made me want to become a loan officer? Honestly, it started back in school. I was always the kid who was outstanding with numbers—equations, formulas, you name it, it just clicked for me.

But as my brother (who entered the industry about 6 months before me) pointed out, I also had a knack for connecting and speaking with people. He told me he thought my blend of analytical skills and people skills would make a great fit for the mortgage industry.

What’s your "how I got started" story? Let me know in the comments below! 👇
Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

🏠 Ever wonder what actually happens once your mortgage application goes to underwriting?It’s not a black box! At GoPrime...
06/10/2026

🏠 Ever wonder what actually happens once your mortgage application goes to underwriting?
It’s not a black box! At GoPrime Mortgage, we believe in complete transparency. Our underwriting team uses a meticulous, step-by-step process to evaluate every file, ensuring a clear and secure path to homeownership.

Here is exactly how your file is reviewed:

1. Initial Submission & Data Collection: Gathering your application and primary data.

2. Income & Employment Verification: Reviewing paystubs, W2s, tax returns, and job history to ensure stability.

3. Credit History Analysis: Assessing your credit score and payment history.

4. Debt-to-Income (DTI) Calculation: Balancing your monthly income against existing debts to ensure affordability.

5. Asset Verification: Checking down payment funds and closing reserves.

6. Property Valuation: Reviewing the appraisal to confirm the property’s true value.

7. Risk Assessment: Analyzing overall file compliance with industry guidelines.

8. Decision Point & Conditions: Reaching final approval or conditional approval so you can head to the closing table!

Knowledge is power when it comes to buying a home. When you're ready to partner with a team that guides you through every single step, we are here to help!

Let's Connect:
📞 Office: 859-260-1904
📱 Mobile: 859-619-1415
📧 Email: [email protected]
🏢 GoPrime Mortgage NMLS #69551

06/08/2026

From Lake Cumberland to the Open Ocean! 🛥️
Ever wonder what it takes to brave an 8-foot swell? 🌊

Meet the catamaran built for the ultimate fishing adventures! Whether it's chasing down Cobia in the ocean or scouting for Striper at Lake Cumberland, this boat is built to keep you dry and ready for the catch. 🎣

What's your dream fishing destination? Drop it in the comments! 👇
Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

06/06/2026

Thinking about buying a home soon? 🏡✨

Before you start browsing listings or hitting up open houses, there’s one crucial step you shouldn't skip: checking in on your credit.

Getting in touch before you begin your search gives us time to look under the hood. We can see if there’s anything that needs to be worked on, smoothed out, or improved so you can lock in the best possible rates.

Don't wait until you find your dream home to realize your credit needs a tune-up! Let’s connect early and get you fully prepared. 📞💼

Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

06/06/2026

☀️ Thinking About Selling? Summer is Your Season! 🏡
Traditionally, there are more sellers out there listing their properties in the summertime than at any other time of the year.

If you've been waiting for the perfect moment to put your home on the market, the peak season is officially here. Higher buyer activity, great lighting for photos, and families looking to move before the new school year starts make summer the ultimate time to make your move.

Ready to stand out in the summer market? Let’s chat! 📲
Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

06/05/2026

Are interest rates on your radar? They should be! 📉

The Fed is keeping a close eye on interest rates right now, and the signs are pointing toward them continuing to trend downward.

What does that mean for you? It might be the absolute perfect time to look into refinancing your home. Lowering your rate could mean saving big bucks on your monthly payments. 💰✨

Don't leave money on the table—let's chat today to see if refinancing makes sense for your financial goals! 🏡💼

Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

05/30/2026

What made me want to become a loan officer?

It started with two things: numbers and people.

If you’re thinking about buying or refinancing and want someone who understands both the numbers and the importance of a home purchase give me a call. Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected]

GoPrime Mortgage NMLS #69551
Darrell Sparks NMLS #19206

05/29/2026

Keeping your credit card balances as low as possible can make a big difference when preparing to buy a home. The more available credit you have, the stronger your credit profile may appear to lenders — which can improve your buying power and open the door to more home options.

Before making any big financial moves, let’s create a strategy that puts you in the best position for homeownership. 🏡

Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

05/28/2026

Summer is traditionally one of the busiest seasons in real estate, with more homeowners putting their properties on the market than any other time of year. That means buyers often have more options, more inventory to explore, and a better chance of finding the right fit for their needs.

If you’ve been thinking about buying, summertime can be a great opportunity to start your search and take advantage of the increased selection before the market shifts again. Let’s talk about your homeownership goals and create a plan that works for you.
Office: 859-260-1904
Mobile: 859-619-1415
Email: [email protected] GoPrime Mortgage NMLS #69551

Address

Lexington, KY
40517

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18592601904

Website

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