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Services and Loan Types
PRE APPROVALS
We are your first stop for home ownership. Offering you a no-cost, no-obligation home loan consolation, 7 days a week with a 24 hour turn around time, and in most cases, less! We also have a 17 day guaranteed close when you have your file pre underwritten with our team. Just apply now and we will get you set up for your pre flight underwrite! While you shop for homes, your file will be underwritten and ready for a quick close, making your offer as competitive as cash!
SPECIALTY LOANS
Aside from offering all of the typical government backed qualified mortgages, I specialize in non-QM loans. This can mean if you are self employed, I can help you if you have been denied elsewhere! If you have a large loan amount, I can help with JUMBO loans, even with as little as 5% down! If you have had credit events like bankruptcy, foreclosure, or short sales, a non-QM loan might be your solution. If you are an investor, we have investor non-QM loans that can help achieve your goals. If you don't fit into one of the typical loan boxes, I might have a solution with one of our specialty programs.
CONVENTIONAL LOANS
Conventional home loans will help you to purchase your primary, second home or investment properties. You can put as little as 3% down as a first time home buyer and there are even special programs available for mortgage insurance and other discounts here! Second homes require 10% down and investment homes as little as 15% down. Anytime you put less than 20% down on a convectional loan, you will have mortgage insurance which is either paid upfront as a closing cost, or monthly.
Let's talk today to see which loan works best for you.
FHA
FHA loans are guaranteed by Federal Housing Administration (FHA) and are for your primary home. 3.5% is the minimum down payment on a FHA loan and when you put less than 10% down the mortgage insurance will stay on these loans their whole life. The FHA loan does come with a lower rate, higher debt to income allowance, and lower credit score minimums and requirements than conventional loans. FHA loans can be your best option for your primary residence!
VA LOANS
We are your Las Vegas experts on VA mortgage loans. If this is your first use, you are moving and need to restore benefits, are being transferred, looking for a cash out refinance or an interest rate reduction refinance (IRRRL) we are your source.
VA loans have NO LOAN LIMIT, no minimum credit score, no debt to income cap and are truly the best mortgage option out there.
Please let us help you on your VA loan!
JUMBO LOANS
Do you need a loan amount over $647,200?
I can help you with your low down payment, super high loan limit mortgage. If you are self employed and have been denied or under qualified in the past, lets talk today! I have access to many investors who want to lend you money.