Tuesday, August 27, 2013

Las Vegas Mortgage Rates Continue to Improve

For the fourth day in a row, Las Vegas mortgage rates continue to improve.  They are still close to their highest level in a few years but they are still low from a historical perspective and they are definitely lower than they have been on a few other recent occasions, including the end of last week.  Las Vegas mortgage rates are also low relative to what they will probably be over the next year as the tapering of the Quantitative Easing program #3 will begin soon and as that program winds down, there will be less support for bond prices (to the tune of about $45 billion per month when the program ends completely) which means higher rates as bond prices fall.

The message to prospective buyers should be two-fold:  1)  Buy now.  Home prices and rates aren't getting any lower.  Experts forecast prices to increase 10-12% over the next year and for rates to be about 1% higher over that same time period.  This means that a buyer won't be able to afford as much home and that the cost of a home he can afford would have been much cheaper in overall price and monthly payment now than a year from now.  2) If a buyer isn't going to buy now for some reason, that buyer should at least consider taking advantage of our Lock and Look program.  This program allows a buyer to lock in current rates for up to a year while they shop around for a home.  If by chance rates happen to be better than what they locked at, we can float down to current rates but if they go up as I expect they will, the buyer is protected on the rate side; too bad the only way they can lock in today's price is to buy TODAY.

Data will continue to be the driving force for Las Vegas mortgage rates and when the Fed finally decides to begin the tapering process.  This morning we had two data points that should have had a negative impact on rates:  Consumer confidence came in higher than expected and last month's number was adjusted higher as well.  Additionally the Richmond Manufacturing index did an about face from -11 last month to +14 this month.  Both of these should have sent the benchmark bond down in price which would mean higher interest rates.  However, the unrest in Syria and the debt ceiling issues of the US are providing good support for bond prices now.  Remember that bad news for the world means good news for interest rates as bonds are thought of as safe haven investments which means as investors move from stocks and other "riskier" investments to the safety of bonds, bond prices increase and the rate goes down.

Mortgage Bond Chart:

Bond prices have come off their highs because of the economic data from this morning but they are still currently up 18 basis points for the day as of this very minute.  My advice is to float with caution (and use me to handle your client's mortgage).  Watch rates and economic news closely because there are a number of things that could turn the market on a dime and you or your client could miss out on the recent gains.  Please feel free to share and comment.  Please also subscribe to my YouTube channel (www.YouTube.com/TheWunderliTeam) where I provide video updates every Monday and Friday along with bonus videos regarding new loan programs and guidelines as well as marketing strategies.  Make today great!

Wednesday, August 21, 2013

Las Vegas Mortgage Rates Continue to Rise

Las Vegas mortgage rates have continued to trend higher recently with a big down week of 182 basis points last week.  With existing home sales coming in at 5.39 million units vs. expected of 5.1, we are seeing strong housing numbers in the face of rising interest rates which is bearish on bonds meaning that investors / traders will continue to sell off in anticipation of the Fed beginning their tapering process of the Quantitative Easing program.  Of course as the economy shows more signs of recovery, investors will increasingly choose stocks over bonds as their investment of choice since they offer a better return.  My recommendation is to lock rates on any loans that are closing within the next 30 days and to take advantage of our Lock and Look program for loans that will likely close beyond 60 days.

Here's a look at the mortgage bond chart from this morning:



There is some good news and the theme for the good news is ONE YEAR.  With las vegas mortgage rates on the rise, there are two pieces of good news to help offset this not-so-pleasant news.  The Lock and Look program allows buyers to lock in a rate today while they shop for their home.  With this program, the rate is locked for ONE YEAR and the buyer doesn't need a property address.  This is also great for buyers who have a home under contract awaiting short sale approval or for buyers who are buying a new home and they are more than a month out from completion of construction.

The second piece of good news is that FHA has relaxed their guidelines regarding borrowers who have had a short sale, bankruptcy or foreclosure.  Buyers who have had any one of these or all three can now use an FHA loan to finance the purchase of a home ONE YEAR after the event if certain hardship parameters are met that led to these events.

Please like, comment and share and subscribe to my blog.  I would love to help you are someone you know who needs a mortgage so feel free to contact me at 702-812-1214 if I can help you with that (I'm also licensed in California).


Friday, August 9, 2013

Good Friday morning.  I've got the Friday morning episode of The Las Vegas Mortgage Market Minute for you.  I'll be gone all next week so no blog posts or videos until Monday the 19th.  Please subscribe and share.  Thanks.


Tuesday, August 6, 2013

Las Vegas Mortgage Rates and the Economy

Las Vegas mortgage rates continue to be relative quiet this morning relative to the volatility the mortgage bond market has seen over the last several weeks.  There is no major economic date to move the markets one way or the other this morning.  There is a speech by some Fed talking heads today and tomorrow but the next decently important bit of economic data will come out on Thursday morning with the release of initial and continuing jobless claims.  Last week the jobless claims came in much lower than expected at 326,000 (this week's expectation is for an increase to 336,000) which is good news for the economy but not for Las Vegas mortgage interest rates.  That didn't translate into a good employment number on Friday which is what drove the recover of bond prices higher.  Yesterday we saw some pullback because of a bit of good economic news with the ISM non-manufacturing index coming in at 56 where the expectation was for 53 and last month's number was 52.2.



Based on the technical analysis from the chart, there is a much greater risk to the downside then there is a possibility of upward movement in bond prices so I recommend locking.  The long term trend for rates is up due to the high probability that the Fed will begin the tapering process for the Quantitative Easing program sometime between September (next month) and the end of the year with the likelihood of the program ending altogether by mid-2014.  This will take the support out from under the mortgage bond market which will allow the prices to fall and interest rates to continue their upward trend.

Solution to interest rates trending up:
If you are in the market to buy a home over the next year and are concerned about rising interest rates but don't have a property picked out now, we have a solution that will allow you to lock in an interest rate now without even having identified a property.  We now offer a forward lock commitment that will allow a borrower to lock a rate for a year based only on a loan amount.  If you have a property but you are awaiting a short sale approval from the seller's lender, you can lock that loan as well using this option.  If rates are better than the rate you lock in, we can re-lock you at current rates.  This is an amazing bit of insurance against rising rates - what are your thoughts regarding this?  Please comment and share your ideas.  Contact me if you would like to learn more about this or if I can help you in any way - 702-812-1214.  Thanks for your support and business - please share this with your friends, family, neighbors, clients or anyone you know who is looking to buy a home or refinance their current mortgage.  I believe that no one knows Las Vegas mortgage rates better than me.  

Monday, August 5, 2013

The Las Vegas Mortgage Market Minute

The Las Vegas Mortgage Market Minute is up on my YouTube channel:


In this video you will get advice on whether to lock or float and other information about the mortgage bond market.

I also introduce a new value-added thing we can do for our Realtor partners and their clients:  forward mortgage commitments which means we can lock loans for up to 1 year.  Since interest rates are trending up and will probably accelerate that trend due to the soon-to-be tapering of the quantitative easing program and its eventual end, being able to lock in an interest rate today is a great thing.

What makes this even better is that we can lock on TBDs (no property address needed) or you can use it to lock a loan that is waiting on a short sale approval from the seller's lender.  By being able to offer this, you are able to real in the buyer so that they won't even consider using another Realtor.  We can also "float" down if by some chance rates are better then what the client locked at.

For details, please call me at 702-812-1214.  Feel free to comment and share your thoughts.  Make today great.

Friday, August 2, 2013

It's video time today with The Mortgage Market Minute.  It's short, like always so check it out and feel free to comment.  It gives an update on the employment report and my recommendation about whether to lock or float.  I'd love to hear your feedback.  Have a great weekend.


Thursday, August 1, 2013

Mortgage Rates - What Really Drives Them, Part 2

In yesterdays post I wrote about what drives mortgage rates from the technical and fundamental side of things.  What I didn't tell you about is the third thing that drives interest rates - the lenders themselves.

All lenders sell mortgages in the secondary market; there are some lenders who offer portfolio products and those are held in the lenders portfolio, at least for a short time and sometimes for the life of the loan.  The regular loans that can be securitized like FHA, VA, conventional and jumbo all get sold off.  The lenders may or may not keep the servicing rights but they sell off the interest rate rights which frees up more capital to write more mortgages.

Big lenders have targets as to how much penetration they want to have in any given market.  If they are considerably under that target, they may offer rates that are below the market for a short time in order to "buy" more mortgages.  This entices borrowers to go with them or mortgage bankers and mortgage brokers to send more loans their way until they have the level of business they want at which point their rates will revert to market rates.

Conversely, if a lender decides that it has all of the exposure it wants in a given market, it will raise rates such that it won't be attractive for a borrower to choose that lender.  This happened at Bank of America when I worked there in 2009.  In a sales meeting our sales manager told us that the bank had all the exposure it wanted in Southern Nevada and so they were going to raise interest rates to a point such that borrowers probably wouldn't choose to do business with them but if they did, the reward for Bank of America would be good enough to offset the additional risk of another loan in the saturated market.

Herein lies one of the advantages that a mortgage banker who sells to a number of lenders has over the big banks.  When a big bank raises their rates, they don't have an alternative to offer their clients to keep the business coming in.  When one source of a mortgage bankers list of lenders raises its rates, the mortgage banker still has a number of other options to choose from.  With the lenders we sell to, it is usually the same three or four who always have the best terms.  It varies as to which one of those lenders has the best rate on any given day but having these options is a great thing for the clients.  Another added benefit is the fact that some lenders interpret guidelines a little more liberally than others but that's a topic for a whole different post.

It's important to remember that for the most part, mortgage rates are driven by technical analysis, fundamentals (economic data) and the secret sauce - the lenders themselves.  Feel free to comment and share your thoughts and ideas.  Here's a snapshot of the mortgage bond market currently:




Wednesday, July 31, 2013

Mortgage Rates - What Really Drives Them?

Mortgage rates are determined by a number of things.  From the most basic view, interest rates (or yield for those who are receiving a payment for their investment) are determined by the price of the underlying bond.  Rates move inversely to bond prices which means that as prices go up, rates go down and vice versa.

The question then becomes, what drives bond prices?  There are two things that drive the price of any investment:  1) technical analysis of the investment (mortgage bonds in this case) and 2) the fundamentals of the investment.  The technical analysis has to do with the outside factors that are influencing price movement.

Technical analysis of a specific mortgage bond is about a number of things including trends, moving averages, support and resistance levels, and the RSI - relative strength indicator, and support and resistance levels.  Investors look to see if they think the bond has sold off to much too quickly in which case they may start buying.  If many investors think there has been too much of a sell-off and start buying / investing in the bond, it drives the bond prices up.  Usually the institutional investors are the first ones to start buying and their big dollars start moving the market.  As little investors see the price moving up, they don't want to miss out on the opportunity so they jump in pushing the price up even further.  As the price increases, the RSI rises and ultimately gets to the overbought threshold - this threshold may change if the market makes a significant move and breaks strongly through the resistance levels.  At some point, the institutional investors are happy with their return and want to take the profits off the table; they don't always look for a big move since the dollar amount they are investing is so large that they can make a lot of money on small moves.  Below is a snapshot of the charts I look at to try to determine what rates are going to do.



As the institutional investors start selling off they drive the prices down (and the interest rates begin to rise again).  The smaller investors don't want to miss out on taking profits OR they get afraid that they are going to lose money as the price goes below what they bought it at so they sell as well driving the price down even further.

Fundamental analysis regarding bonds comes mostly from economic data (fundamental analysis of a company is about that company's numbers - gross revenues, profit, profit margin and such) as well as the experts' interpretation of the data.  The bond market as a whole is greatly influenced by what is going on in the general economy; a strong or improving economy usually encourages investors to shift money out of the safe-haven investment of bonds and into more risky, but the potentially higher returns of equities (stocks). The idea is that if the economy is doing well, companies like Apple and Amazon will do well which will drive the stock price higher.  When the economy is struggling, people will spend less which means lower profits for these companies and stock price deterioration because investors will sell off equities and move back into bonds - driving prices higher and interest rates lower.  At a point where interest rates are significantly low, there is no real attraction for investors to buy bonds so sometimes the money is parked in cash.  This is the cycle of investing.

Mortgage rates have been climbing for a couple of reasons:  1) Bernanke and the rest of his Fed cronies have been talking about tapering the Quantitative Easing program and ultimately ending it with a target of mid-2014, and 2) the economy is showing signs, albeit weak, of improvement.  As noted above, money begins to shift from bonds to stocks as investors begin to believe that the economy is gaining its footing.  I expect mortgage rates to trend up for a while because of improving economic data and because the upward price pressure on bonds due to the Fed's monthly purchase will be going away which will allow the bond prices to come down and necessarily push interest rates higher.

If you want the best opportunity to get the best interest rate, it is important to work with a loan officer who 1) understands what moves interest rates, and 2) has real-time access to the mortgage bond market so that they can see the trends and be ready to move at a moment's notice, sometimes before rates change even though the bond market has made a significant move.

Feel free to comment, ask questions and share this with your friends.

Tuesday, July 30, 2013

Reverse Mortgages - What's the Deal?

Reverse mortgages can be a great option for home buyers and home owners 62 years of age or older.  A reverse mortgage allows the owner to stay in his home until he dies without having a mortgage payment (other than taxes and insurance).  Hence, if your monthly budget is tight and making that mortgage payment is a struggle, a reverse mortgage may be the solution.

Homeowners who own their home outright or have considerable equity can refinance into a reverse mortgage and either pull out a lump sum, set up a monthly draw for a specified period or do both all while getting rid of their mortgage payment.  For those retirees who may be relocating to a retirement destination, they may find that a reverse mortgage is the best way to finance the purchase of their new home.  They may have sold a home and have enough money to either pay for a home in cash or to put a large down payment on the home after which they would have a monthly payment on a traditional mortgage.  Rather than tying up so much money in a home, they could put down the minimum requirement (as little as 20%) and keep the rest of their money for other needs, including having it to augment their income.

Here's an example:  a retiree on a fixed monthly income of $4,000 with a $1,000 mortgage payment could free up that $1,000 by switching to a reverse mortgage and he could possible get money out for a family vacation or to help his children get into their first homes, for an investment or any other number of reasons.  A reverse mortgage isn't for everyone but it can certainly alleviate financial obligations for those who qualify and have a very tight budget.

There are down sides to a reverse mortgage and nothing is for certain.  When considering a reverse mortgage, it's important to get all of the information regarding the various mortgage options and analyze them with regard to your specific situation.  You can learn all about them by visiting HUD's reverse mortgage site.

If you would like to know if a reverse mortgage is right for  you or someone you love, please contact a loan consultant who understands how reverse mortgages work.  I'm licensed in California and Nevada and would be happy to help anyone interested in these two states.  Feel free to contact me at 702-812-1214 with any questions you have regarding reverse mortgages or traditional mortgages such as FHA, VA, conventional and Jumbo loans.

Monday, July 29, 2013

Renovation Loans - which one is right for you?

If you have been shopping for a home recently, you have probably been in a few that could benefit from some TLC.  A renovation loan may be just the thing to turn those homes that have been neglected into the home you've always wanted.  Many homes on the market are in some state of disrepair since the owners who have either had to resort to a short sale or a foreclosure haven't had the money or incentive to maintain them.  Even homes that are sold as an equity sale may have design choices that aren't in alignment with your tastes.  So what do you do when you find the perfect home in terms of location, size and floor plan but it is in need of a serious makeover?  You make it into the home of your dreams with the right renovation loan.

There are a few renovation loans to choose from.  FHA has the 203(k) Full and Streamline.  FNMA has the HomeStyle Renovation loan and the HomePath Renovation loan.  The FHA loans are great because the same guidelines apply to these loans as they do to regular FHA loans which means your credit doesn't need to be quite as good as it would for a conventional loan and your job history doesn't need to be as established either.  The streamline version of the 203(k) allows for up to $35,000 in repairs which can include financing the purchase of new appliances (fridges, AC units, water heaters, etc.) along with other energy efficient items.  Borrowers who choose this option usually replace the flooring and countertops, refinish the cabinets, repaint the inside walls and purchase some appliances.  The Full version of the 203(k) allows for more extensive renovation including adding on to the house or reworking the existing layout.  Both types allow for roof, plumbing and electrical repair.  This video will go over the details of the FHA 203(k) Streamline loan and here is one great example of a home makeover that was financed by the FHA 203(k) Streamline loan.



The FNMA HomeStyle Renovation loan is a great loan for borrowers who can qualify for conventional loans and want a loan that will allow them to improve the outside of the home in case you want to add a pool or a patio (very few lenders have access to this loan - we do).   The HomePath renovation loan is limited to homepath loans only so I want go into any detail about them here.  When deciding on what home to buy, your choices come down to whether you are happy with it as it is or whether you would like to make it just the way you want it by using a renovation loan.  Which loan you choose to finance the renovation will depend on several factors that need to be discussed with the loan consultant.  If you are considering a home that you plan to make some improvements to, I would highly recommend using a renovation loan as compared with trying to finance the repairs with a credit card.  Some advantages of a renovation loan include:

  1. No appraisal contingencies for deferred maintenance - sellers love this,
  2. less competition because many buyers won't consider homes that need much work,
  3. lower initial sales price and more possibility for price negotiation,
  4. renovation can occur before you move in by a licensed contractor,
  5. interest you pay on a mortgage may be tax-deductible as opposed to the interest paid on a credit card which isn't.
One final consideration when choosing a renovation loan as compared to a regular mortgage is who's going to do the repairs.  The videos above go into more detail about this but if your loan consultant has a good relationship with a reputable contractor, that would e the preferable route since that contractor probably knows the timeframes of the loan and what is required so that the loan can be closed in a timely manner.  Check out the videos and see if a renovation loan is right for you.  If it is and you live in Nevada or California, I would love to help you with the financing.  Feel free to comment and share with your friends or clients.

Friday, July 26, 2013

The Mortgage Pre-approval Process

The Mortgage Pre-approval Process
The mortgage pre-approval process is probably the most important thing to a buyer's success in purchasing a home for several reasons.  The first thing this does is let the buyer know whether or not he or she is qualified to buy a home.  It also let's him know the maximum amount he qualifies to buy.  Knowing these things is important so that the buyer doesn't waste his time or the Realtor's time looking at homes he won't be able to afford.  From an emotional aspect, it also helps to only look at homes a buyer can afford rather than possibly falling in love with something he can't and then being disappointed with the homes in his price range.

Getting pre-approved is more than just answering a loan officer's questions so that he can fill in the blanks on the loan application.  It is extremely important to provide the income and asset documentation, along with any other special documentation (HUD settlement statement for prior short sales - read about the short sale, foreclosure and bankruptcy guidelines, bankruptcy discharge papers if the buyer had a bankruptcy, divorce decree for those who are divorced) so that the loan officer can verify the information provided on the loan application and issue a proper mortgage pre-approval.  Income documentation to be verified includes the last two years of tax returns (including business returns for self-employed borrowers) and W-2s and the most recent full month of pay stubs.  If the borrower is retired, proof of pension or investment income should be provided along with Social Security award letters.

Proof of asset documentation requires the potential borrower to provide the last two months of bank statements (all pages) for all accounts along with the most recent quarterly statement for retirement accounts like a 401(k) or a Roth IRA.  The more assets a loan officer can verify, the better.

Once a loan officer has verified all of the necessary documentation, they can provide a letter to the buyer's Realtor stating that the buyer is pre-approved for a given amount AND that the income and asset documentation (along with any and all other pertinent documentation) has been verified.  By providing an approval like this, the seller and his agent will know that there shouldn't be any surprises throughout the process, at least as it pertains to the buyer.  A strong approval letter where the income and assets have been verified is much more likely to get the offer accepted than one where no verification has occurred.  The process is the same for FHA, VA and conventional loans.

The Mortgage Bond Market
The mortgage bond market is up slightly on the day with the benchmark FNMA 3.5 up 16 basis points as of this writing.  The Michigan Consumer Sentiment Index came in at 85.1 after a reading of 84.1 last month and an expectation of 84.2.  All else being equal, rates are better on Mondays than on Fridays since the market has a hedge for what may happen over the weekend.  The next big thing to look for that could move the market is the employment report from the BLS next Friday morning.  It has surprised to the good side the last few times; in fact, on July 5th, it surprised so strongly that the benchmark bond fell 200 basis points on that day - this is a huge move that is equal to about .5% in rate.  We have recovered nicely since then but I would be very cautious about floating a rate into this report.  My recommendation would be to lock it if you have a loan that is far enough along in the process that will allow you to do that.



Please feel free to share this with anyone who may be looking for a loan or needing to go through the mortgage pre-approval process.  I'd be honored to help them obtain financing for their home purchase.  I can be reached at 702-812-1214.  I'd love to see what your thoughts are relative to any of this content - feel free to comment below.

Thursday, July 25, 2013

The mortgage bond market, mortgage interest rates and how to avoid mortgage insurance

What's happening in the mortgage bond market:
For the 3rd day in a row the mortgage bond market is down. It climbed 28 basis points from its low yesterday but still finished down 53 basis points or about a .125% increase in rate. One thing we saw was a reminder of the impact Europe has had on the mortgage bond market and the bond market in general. When Europe was reporting bad news, there was a flight to safety by investors to bonds in the US. Europe reported a PMI of 50.4 which shows the economy is expanding - this is the first such report in 18 months. Part of the sell-off in the bond market is due to this report. 



Initial jobless claims came in higher than expected which is good for rates - last month's was 336K, expected was 340K and actual was 343K. Durable goods orders (ex-transportation) also came in lower than expected at 0. The market is shrugging this news off and is currently down 29 basis points. The advice is to lock on any loan closing within 30 days if you are able. 


Why are conventional mortgage rates higher than FHA and VA?
One question that I get asked a lot is why are conventional rates higher than FHA and VA rates.  The answer is that FNMA / FHLMC have guarantee fees which were instituted a few years ago with all of the new legislation that we've seen.  These fees have increased a number of times since they were instituted and I've heard rumblings of another impending increase.  The guarantee fees are why the interest rates are typically about .375% - .5% higher for a conventional loan than for an FHA or VA loan.  On a case by case basis, conventional loans are much more credit score-driven than FHA or VA so a person with a credit score between 680 and 720 may see an even bigger disparity in rate relative to an FHA or VA loan than someone with a score over 720.

General mortgage recommendation:
If you served our country in the armed forces, you may qualify for a VA loan.  If you do, my recommendation is to use that to finance the purchase of your home.  With a VA loan, you don't need to put any money down - you do need money to pay for closing costs but this money can come from a gift.  As mentioned above, VA loans have interest rates close to what FHA rates are and better (in most cases) than rates on conventional loans.  The best thing about a VA loan is that it allows you to put nothing down and you still don't have to pay mortgage insurance.  Mortgage insurance can be a big part of a monthly mortgage payment so having a loan without it means you can qualify for a bigger loan / house or just have a smaller payment which means more cash for savings - we all need to put more money away for retirement.  

An FHA loan, for example has a mortgage insurance payment of $225 on a $200,000 loan and it doesn't offer an option without mortgage insurance.  Conventional loans typically have better mortgage insurance rates than FHA but it's very dependent on your credit score and the best rates (mortgage insurance and interest rates) require a score of 720 or higher.  Conventional loans do have two options that don't require mortgage insurance:  1) a down payment of 20% or more or 2) lender paid mortgage insurance in the form of a higher interest rate - typically about .375%. 

Please feel free to comment or contact me if I can help in any way:  702-812-1214 or jed.wunderli@noblehomeloans.com.    

Wednesday, July 24, 2013

The Wunderli Team Introduction

I am beginning my new blog under The Wunderli Team and want to start of by introducing myself.  I have lived in Henderson, NV since 1997.  I moved here from Salt Lake City with a wholesale mortgage company and soon became a retail loan officer for a broker.

As a loan officer, I have helped many clients finance their homes with FHA, VA, conventional and Jumbo loans.  I have helped several clients with the FHA 203(k) loan so that they could finance remodeling work.  As a Certified Mortgage Planner, I extend my responsibilities as a loan officer by helping the client choose the best financing for them and their financial goals.  My understanding of the mortgage bond market is due in large part to the training that I had when I worked for Fidelity Investments as a Series 7 licensed representative trading stocks, bonds, mutual funds and options for people on their accounts.  

My goal is to educate clients and referral partners as to loan programs and the current state of the mortgage bond market so that thy can understand their choices and get a feel of when to lock their loan.  Check out The Wunderli Team facebook page for almost daily information regarding the mortgage bond market and what interest rates are doing.  Please like the page so that you don't miss any of the updates and feel free to comment on it and share it with your friends so that they can benefit from this valuable information.

If you would like to know more about renovation loans and how you can finance repairs and improvements in your mortgage, check out The Wunderli Team YouTube channel.  You will find videos that help you understand exactly how the FHA 203(k) works along with videos that share some of the home renovations that have been completed with this great loan.  Additionally, you will find videos of me discussing the mortgage bond market along with my lock / float recommendations.  



For potential clients who are reading this, I want to help you get the right loan with the best terms.  If you have any questions or would like me to provide you with a recommendation for your specific situation, please feel free to call me at 702-812-1214.  

For potential Realtor partners, I want to help you have smooth closings by providing good (honest and timely) communication throughout the process.  I also want to help you grow your business by sharing and implementing some strategies that will help generate new business.