When you decide to buy a Las Vegas home or refinance a mortgage in Nevada, it's a big step. You can trust us to find the loan program that's best for you, specializing in the Las Vegas home market. 

See why it is important to work with someone who is more than a loan officer.  Someone with financial knowledge, experience and education to work with your financial plans in conjuntion with your mortgage or home equity loan.  Consumer Warning!

Shopping Mortgage Rates and loan closing costs.  Be careful of 'bait and switch rates' or mortgage brokers that promise terms too good to be true.

Housing: Best time to buy in four years

Home values have declined across the country, giving home buyers the best buys they've had since 2004.

Is your Adjustable rate loan about to go up?  Do you know if you still have the house value to refinance your home loan in the current Las Vegas market?
With the recent down turn in property values in the Las Vegas market, you better make sure you have the market value needed to refinance or prepare to make the higher payments until homes values rise.
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Buying a new Las Vegas home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

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Save Big Money by Getting the Lowest Mortgage Rates and closing costs

Refinancing your current mortgage

How do I figure out which type of mortgage is best for me?  Forget what everybody is selling and pushing at you.  Before figuring out what type of loan is best for you, first is for you to figure out your financial plans, near term and intermediate. 
Some of the factors you have to consider is how long do you expect to stay in your home, when do you plan to retire and what is your expected future income.  These are just a few of the factors you must consider before choosing the mortgage loan product that best fits your financial plan. 

How to figure out closing costs and interest rates?  When it comes to the decision of buying down a lower interest rate for a lower monthly payment or upfront less costs, you must calculate the Net Present Value of the cashflow over the time duration of the loan or expected time period of the loan.  This is also a must in determining if it is cost beneficial to refinance at anytime. 

Regarding refinncing, this is also beneficial in calculating the true break even point for payback of your refinancing costs.  Many loan sales peolple simply multiply the first month saving or cost by the outstanding months of the loan to show the difference.  This is not accurate because of time value of money.  Simply multiply the added or lowerd monthly payments by the term of the loan does not give you an apples to apples comparison of upfront costs.

Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!

Governor Jim Gibbons announced the launch of a website to assist Nevada homeowners who may be facing foreclosure.  The website, www.foreclosurehelp.nv.gov/, is being billed as a comprehensive resource designed to help  borrowers make informed decisions about mortgage payments.  "This website will serve as a one-stop location online where consumers can obtain information regarding foreclosure, including whom to call for specific help," said Governor Gibbons.   "Those who are at risk of foreclosure must act now."

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