Purchase- Renovation Loan Special! Refinance & Cash - Out Refinance
Services and Loan Types
PRE APPROVALS
I know how you feel, you are likely overwhelmed by the process of a mortgage application. I am here to help you.
The first step is FREE!!! First STOP is financing. I provide no-cost, no-obligation home loan consultations, 7 days a week with a 24-hour turn around time, and in most cases, less! We also have a 14-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!
Self- Employed or Investing? 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 10% 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.
We also have unique loans for ITIN borrowers, Foreign Nationals and of course DACA!
First Time Buyers!
Everyone knows that as a first time home buyer you are eligible for special programs. What does that mean for you?
Let's go over all the various loan programs available to you today. Click apply now to get started!
Featuring: FHA 100, FHA, Conforming 3% down Home Possible and Home Ready, Government and Private programs!
BRAND NEW Credit as low as 600 can take advantage of 100% financing.
NOW OFFERING: REVERSE for Purchase and Reverse Refi for those over 62
Every case is different and sometimes a reverse mortgage is the solution to your retirement needs. Lets talk about reverse for purchase. Imagine putting down your initial payment and never making a payment again? Imagine tapping into your hard earned equity and also, never making another payment! Reverse mortgages got a bad reputation but they are actually regulated by FHA and are of great benefit to most borrowers.
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. Second homes require 10% down and investment homes as little as 15% down. Anytime you put less than 20% down on a conventional loan, you will have mortgage insurance which is either paid upfront as a closing cost, or monthly.
2025 loan limit (1 unit): $806,500
2 units: $1,032,650
3 units: $1,248,150
4 units: $1,551,250
5-8 units- available in some states!
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!
2025 FHA Loan Limit: $524,225
2 units: $671,200
3 units: $811,275
4 units: $1,008,300
Ask about our special programs for lower credit scores or credit events like bankruptcy, foreclosure, short sales or deed in lieu.
We also have access to special 100% FHA loans! Buy up to 4 units using this program and actualize a credit of 3.5% to 5% at closing to reduce your initial investment. PRIMARY ONLY - so you will occupy one of the units.
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!
Cash Out Refinances up to 100% with a net tangible benefit!
100% financing up to $4 million.
Please call me if you have been told NO before on a VA loan. In the past and sadly today, many lenders lead clients to believe they need at least an XYZ (620-640) credit score but that is not true! I have done many VA loans for clients with score in the 500's. There is no better way to improved credit and finances than a VA home loan.
JUMBO LOANS
Do you need a loan amount over Conventional loan limits?
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, let's talk today! I have access to many investors who want to lend you money.
All Your Refinance Needs
Any refinance need you have, we can help! Call today for your rate and term refi, cash out, or an interest rate reduction VA loan (IRRRL). We are here with all the products on the market to help you finance your home.
With today's interest rates increasing, it might seem counter intuitive to refinance. Let's take a look at your current situation during your free home loan check up and we can see what the best solution is!