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About Las Vegas Mortgage
January 7th, 2009 | 
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Las Vegas Home loans team is a residential real estate lender, specializing in Conventional, VA, and FHA financing for the Las Vegas, Nevada and surrounding communities, for purchase and refinance transactions.
Company Philosophy
As one of the few Las Vegas mortgage lenders to look out for the consumer, we always value our clients’ trust and business by providing them with ”Lower cost mortgage solutions”. We also pride ourselves on being mortgage experts and staying up to date on current mortgage trends.
How is this done?
We have aligned ourselves with the most competitively priced mortgage lenders in the country, and because of the high volume of business we transact with these lenders, we receive “better than market pricing.” We pass this savings on to you, our customers, so you can always be assured of receiving excellent pricing.
What distinguishes us from our competitors?
We only hire very experienced, honest, and ethical loan officers and processors, many with graduate level education. These traits make them excellent at identifying and articulating the best financing options available for each client’s particular needs. And because we keep our overhead low, our “end price” to you is as low as possible.
Why do business with us?
If you are looking for a very competitively priced menu of loan options, a staff of people who can properly educate you about these loan options, and then deliver these loan products to you in a very efficient and painless manner, you’ve found the right place.
Can you tell us any more about yourselves?
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout Las Vegas, Nevada and the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
At the best Las Vegas Mortgage company you can expect to be treated not like a customer, but a good friend. We value long term clients, and many of our previous customers have come back to finance their second or third home with use.
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8 things to do to help you qualify for a las vegas mortgage
These tips will help you avoid any problems when getting a <A HREF=”http://www.vegasbestmortgage.com/las-vegas-mortgage-advice-for-you-mistakes-to-avoid
/”> mortgage</A>.
Don’t buy a new car or trade-up to a bigger lease.
Don’t quit your job to change industries
Don’t switch from a salaried job to a heavily-commissioned job
Don’t transfer large sums of money between bank accounts
Don’t forget to pay your bills — even the ones in dispute
Don’t open new credit cards — even if you’re getting 20% off
Don’t accept a cash gift without filing the proper “gift” paperwork
Don’t make random, undocumented deposits into your bank account
Appraisals order by lender only
In the past mortgage brokers were able to order appraisals, and in doing so they appraiser and the mortgage broker formed a special relationship. This relationship can be use for good and it can be use for evil. In this post, I will summarize my thoughts on the issue.
The good that is from the mortgage broker and appraiser relationship is the need for speed. For example, if you can to us after being turned down by another company or if you were unhappy in any way with the other mortgage company performance. I could call my trusted appraiser and request a favor on your behalf. This a favor could be a simple evaluation of the value of the property or a full aprraisal in a very timely manner.
As a result of the timely appraisal, I would be able to get you a mortgage approval in as little as 1 days. Yes, the last mortgage loan that we were able to secure for a client was 24 hrs. This would have been impossible if the appraisal was order through the lender. At the end of the day you get your loan in a speedy manner and you are super happy with our service.
Now let’s look at the other side of this picture, when the appraisal is order by the lender the appraiser and the mortgage broker does not have any business relationship. The appraiser will not care if the customer has ordered the rental truck, their landlord is kicking them out at the end of the month, and friends and family have requested time off from work to help with the move. This is especially true at these larger appraisal management company, where they will que the orders received. This result in a long wait and many head aches for the customer.
Regarding the negative side of this relationship, the special relationship that is formed between the mortgage broker and the appraiser can lead to undue influence by some mortgage brokers on appraisers. This influence can be use to push the value of a property up, but the appraiser has an ethical obligation to correctly value the property with supporting comps of recently sold house in the area,too bad this is not always done. But ultimately it will be up to the lender to place the final value on the property. Shouldn’t the buck stop there?
