Scott Jemmett AVP/Manager

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Scott Jemmett AVP/Manager NMLS #101842 | RANLife #3151 | 891-478-4511 | 9272 S 700 E Sandy, UT 84070 | Equal Housing Lender | Safe Act/Texas | Licensed by The DFPI under the CRMLA

Create the dream home you want—whether you’re buying it or already living in it. 🏡✨RanLife’s Renovation Loan lets you fi...
10/10/2026

Create the dream home you want—whether you’re buying it or already living in it. 🏡✨

RanLife’s Renovation Loan lets you finance your home and eligible upgrades with one convenient loan. Choose an option with up to $75,000 for updates, or explore financing for larger projects.

Ready to make home yours? Tap the link in our bio to get started.

RANLife is not acting on behalf of or at the direction of HUD/FHA/USDA or the Federal government.
https://myoc.io/gSwKBRJPTs8

NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

Mortgage rates can change while you’re shopping for a house—even after your offer is accepted. So what happens to your h...
10/06/2026

Mortgage rates can change while you’re shopping for a house—even after your offer is accepted. So what happens to your home loan and monthly mortgage payment?

First, check whether your mortgage rate is locked. If it is, a rise in market rates generally won’t change your locked rate during the lock period, as long as your loan closes under the lock terms. If your rate isn’t locked, RanLife Home Loans can update your payment estimate and help you compare your mortgage options before you make a decision.

Want to lock your rate before you find a house? With RanLife’s Lock Then Shop program, eligible homebuyers can lock in a mortgage rate for 90 days while they search for a home.

Thinking about buying a home? Message RanLife Home Loans to ask about a 90-day rate lock and see what fits your budget. 🏡
https://myoc.io/gSwKBRJPTs8



NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

10/03/2026

Waiting to save 20% could cost you more than buying with less. 🏡

RANLife’s Down Payment Assistance Program helps eligible buyers reduce the cash needed upfront—with repayable and potentially forgivable options available.

Buying sooner matters: research shows that purchasing your first home by age 30 could mean over $100,000 more in net worth by age 50 than waiting until your 40s.

Comment or message “ASSISTANCE” to explore your options.
https://myoc.io/gSwKBRJPTs8



NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

You’ve worked hard to build equity in your home—this fall, it could help you do even more. 🍂🏡From home improvements and ...
09/29/2026

You’ve worked hard to build equity in your home—this fall, it could help you do even more. 🍂🏡

From home improvements and winter preparation to consolidating higher-interest debt, covering a major expense, or investing in another property, your equity may give you more financial flexibility.

Swipe to explore a few possibilities, then message RanLife to learn whether a HELOC or cash-out refinance could be the right fit for your goals.
https://myoc.io/gSwKBRJPTs8



NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

Buying your first home isn’t about doing everything perfectly—it’s about knowing which moves actually matter. 🏡From expl...
09/22/2026

Buying your first home isn’t about doing everything perfectly—it’s about knowing which moves actually matter. 🏡

From exploring down payment assistance options to choosing a payment that fits your real life, these 10/10 habits can help you buy with more clarity and fewer surprises.

RanLife offers multiple Down Payment Assistance options, including up to 100% financing for qualified buyers.

Ready to see what buying your first home could look like? Let’s connect you with a RanLife loan officer and real estate agent who can help you through every step.
https://myoc.io/gSwKBRJPTs8



NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

Some homebuying advice sounds smart—until it costs you money. 🏡💸The lowest rate isn’t always the cheapest loan. A price ...
09/17/2026

Some homebuying advice sounds smart—until it costs you money. 🏡💸

The lowest rate isn’t always the cheapest loan. A price reduction isn’t always more valuable than a seller credit. A fixed-rate mortgage doesn’t mean your entire payment stays fixed. And an appraisal is not a home inspection.

The details matter—and the right strategy could save you thousands.

Save this post for your home search, and send it to someone planning to buy. 🔑
https://myoc.io/gSwKBRJPTs8



NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

09/12/2026

🏡 Want to buy a home before the end of the year? Now is the time to start getting ready.

Here’s what we would do over the next 30 days:

📅 Week 1: Get your financing figured out
📄 Week 2: Get your documents together
💰 Week 3: Understand your cash-to-close
🔑 Week 4: Start house hunting!

The goal? When the right home comes along, you’re ready to make a move — not scrambling to figure everything out.

Thinking about buying this year? Let’s get you ready. Message RanLife Home Loans to get started!
https://myoc.io/gSwKBRJPTs8

NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

09/10/2026

The right home doesn’t have to be perfect—not yet. 🏡🔨

With RanLife, you can purchase a home and include eligible renovations in the same mortgage. Update the kitchen, refresh the bathrooms, replace the flooring, or take on an even bigger transformation.

See the potential. Make it yours.

📲 Connect with RanLife Home Loans to explore your renovation financing options.
https://myoc.io/gSwKBRJPTs8

NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

08/27/2026

🏡 Rent or buy? The answer might come down to your timeline.

According to Zillow’s latest analysis, the typical homebuyer may hit the rent-vs-buy break-even point at around 6 years.*

That doesn’t mean buying is always better—or that renting is throwing money away. Your market, finances, goals, and how long you plan to stay all matter.

Wondering what the numbers look like for YOU?

Comment COMPARE or DM us your city and let’s take a look. 👇
https://myoc.io/gSwKBRJPTs8



NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

08/20/2026

Thinking about buying your first home in the next 12 months?

The first step isn't scrolling Zillow. It isn't waiting for rates to drop. And it isn't guessing how much you need saved.

The first step is understanding where you stand today.

At RanLife Home Loans, we'll help you understand your budget, explore financing options—including our in-house Down Payment Assistance Program—and create a plan that makes sense for your goals.

Whether you're ready to buy now or you're still a few months away, having the right information gives you confidence to make the right move.

Comment "PLAN" or reach out to RanLife Home Loans to start your homebuying roadmap.

RanLife Home Loans | NMLS #3151
https://myoc.io/gSwKBRJPTs8

NMLS #101842 | RanLife Home Loans | NMLS #3151 | Equal Housing Lender | Views are the LO’s own and not those of RanLife | All loans OAC Restrictions May Apply

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Sandy, UT
84070

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+18014784511

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