Services
CONVENTIONAL LOANS
A conventional mortgage can be used for primary, secondary, and investment home loans not insured or guaranteed by the federal government, as opposed to government-insured loans such as those from the Federal Housing Administration (FHA), U.S. Department of Veteran Affairs (VA) and U.S. Department of Agriculture (USDA). Crystal and The Loans by K.C. team have access to an experienced staff of Conventional Underwriters ready to stamp “approved” your loan application! If you need flexible programs and wholesale rates, call Crystal today to explore your conventional mortgage options.
FHA
FHA loans are guaranteed by Federal Housing Administration (FHA) and are for your primary home. These loans allow a lower down payment and higher debt to income ratios than a conventional loan. These loans do carry a unique mortgage insurance but also a low rate vs. their conventional counterpart. Make sure to check all your loan options for the best one for you!
VA LOANS
VA loans are guaranteed by the Department of Veteran Affairs and funded through approved lenders such as us. We are your Las Vegas experts on VA mortgage loans and have funded millions of dollars under this program. Whether you are PCSing to Nellis or Creech, or moving within Las Vegas, or looking to take advantage of the Interest Rate Reduction Refinance Loan (IRRRL) we have the very best VA mortgage rate and service terms for you! And of course, thank you for your service.
JUMBO LOANS
Do you need a loan amount over $548,250? Crystal has access to many competitive investors in the JUMBO arena. There are a myriad of products for you under our roof.
NON QM LOAN – Investor Loan – Self Employed Borrowers
A Non-Qualified or Non-Conventional Loan might be the answer for you if you are self-employed, have a unique source of income, or a special debt situation. We have loans that use alternate methods to verify your ability to repay the loan. Our investors specialize in these products so we offer very competitive interest rates for our clients. Call today if you would like to consult with Crystal on a loan like this.