Shivani Peterson, Mortgage Advisor

Licensed loan officer in Nevada and California - I provide superior guidance on refinances and property purchases.

A mortgage loan is likely one of the biggest financial decisions you'll have to make, it helps to have the right person guiding you. My specialty is the ability to help anyone and everyone succeed in the housing market. As a direct lender, I consistently offer the lowest rates and fees. Whether it be a refinance on your current home, or the purchase of a new investment property - I can help you get the best mortgage to fit your needs.

When to pay POINTS...

The What, Why and When on POINTS.

When you go to buy your first home (sh*t, even your second or third) it can feel like you need a crash course on mortgages just to know which one is right for you.
Let me give you a straight answer to a very common question. Am I/Should I be paying points for my rate?
#mortgageadvice #fulltransparency #renorealestate #themoreyouknow #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

I hope everyone gets a kiss as good as this one today.

My mom says this picture is obscene and I shouldn’t show people. Good thing she’s not on IG.

Interesting fact! When @google searches for “baby registry” increase, there’s a correlation to the housing market getting HOTTER.

If you’re thinking about buying and scoping out the competition - Millennials are getting older and starting families. Babies drive single family living. Amongst families with 2 children, 82% have become homeowners.

In short, if you are waiting for the market to get less crowded - knock that off. The median age of a first time homebuyer is 33 and a lot of us Millennials are hitting that sweet spot. It’s time to take action.

#mortgagenews #funfact #39weeksprego #millennials #renorealestate #workingmom #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

How I sold Josh on Reno...

Many moons ago, when Josh and I were doing long distance dating, alternating weekends between here and San Fran....I think most peoples' bets were on SF for where we would settle down. But even years ago, Reno had a charm that hooked him (I can't take the credit) and since then, it's only gotten better.

#renorealestate #renolender #problemsolver #opportunitycreator #realestate#newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno #renorenovation #gentrification #midtownreno #renorevolution #renobars #renorestaurants #skimountrose #skirenotahoe #renotahoe #winebar #wine #cocktails #finedining

Breaking News - Why do you HAVE to get your finances sorted now?

@chrismurphytv was looking for a formula the average person could use to know the right time to buy. Him and every first time homebuyer out there, right?! Who doesn't want to know when to pull the trigger so that your finances are optimized at the best time in terms of market conditions.

Well, I'm ready to share that magical calculation with you - so you can time the market just right and buy right! Check it out.

#spoileralert #doitnow #tradesecrets #insiderinfo #renorealestate #themoreyouknow #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno #womeninbusiness #morningnews #morningshow #breakingnews

Were you disappointed with where you qualified last year? If you got your pre-approval and then set out to find your perfect home with your realtor - only to be disappointed with what was available in your price range....I have not good, but AMAZING news for you.

Interest rates are a key component to affordability. Affordability got a big boost this week with interest rates going DOWN. It's time to revisit your pre-approval my friends, because you may be in a whole new price range with the SAME monthly payment. Let's get after that homeownership goal and start building you some wealth!

#renorealestate #preapproval #economicnews #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno #renobusiness #buyingpower #mortgagelender #renomortgage #bossbabe #womeninbusiness

Real Estate Report Card - Q1 2020

FULL DISCLAIMER: I AM NOT A PSYCHIC.

I am hyped up on Reno and helping my clients use the local housing market to build wealth. Yes, the housing market is hot. No, that’s not bad news for buyers. Let me explain the data and then you can decide for yourself.

#informationispower #womeninbusiness #renolender #renomortgage #personalfinances #personaleconomy #themoreyouknow #trustthedata #homeownership #problemsolver #opportunitycreator #renotahoe #renonevada #renoisrad #thisisreno #wealthbuilding #investments #financialpeaceuniversity #renorealestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #takeaction #2020isYOURyear #empoweryourself

Let’s get into the Friend Zone!

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If you’ve been following my social media, vibing with the content and ready to some moves this year...but need a little more personalized info so you can really get after your real estate goals...

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Guess what? It’s not going to be a 🥶 call. We can be friends in real life too. I’m just as friendly (and unfiltered) in person. So take an action today - it’s as simple as a DM or phone call.

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#informationispower #makethefirstmove #realfriends #takeaction #FOMO #womensupportingwomen #womeninbusiness #renolender #renomortgage #personalfinances #personaleconomy #themoreyouknow #personalfinances #homeownership #problemsolver #opportunitycreator #renotahoe #renonevada #renoisrad #thisisreno #wealthbuilding #investments #financialpeaceuniversity #renorealestate

Recession Proof Yourself - Series Finale

Do you know what it costs you - each month - to cover all of your expenses? From food to gas to your housing?

I would encourage you to sit down and write it out! You might be surprised by the number once you see it. Then, I need you to start saving up to be able to cover those bills. This is called your "emergency fund" and it's the topic for today's video.

If you missed parts 1-3, you can find them on my Youtube! And if you have questions on today's video, head over to Instagram at 6pm.

#emergencysavings #emergencyfund #personalfinances #recession #personaleconomy #themoreyouknow #personalfinances #debt #homeownership #problemsolver #opportunitycreator #renotahoe #renonevada #renoisrad #thisisreno #wealthbuilding #investments #budget
#debtfreejourney #budgetingtips #daveramsey #finance #payday #financialpeaceuniversity #renorealestate

Recession Proof Yourself in 2020 - Part 3

Extra income that you don't have to do anything for? SURE THAT SOUNDS DANDY.

Today we are talking passive income...but in more realistic terms. Where to start, how to start and even what to do if starting doesn't even seem like an option.

The key is to generate extra income, somehow and then SAVE IT. Questions on how to find passive income sources? Jump on Instagram tonight at 6pm and ask me LIVE!

#renorealestate #themoreyouknow #personalfinances #debt #newyearnewyou #buildwealth #investinrealestate #sidehustle #passiveincome #newyearsresolution #propertymanager #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

Is this YOUR year? Let me rephrase that - are you MAKING 2020 your year?

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In terms of affordability (read: opportunity) this window is very unique. Whether your goal is to be a homeowner or simply to get your finances on the right track, there are three things you can’t afford to do:

1. Stay in the dark on your finances.
2. Stay in the dark about the current market.
3. Wait, for prices to come down...for rates to get better...for pigs to fly.

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Take some kind of action right now, to make this year different!

#renorealestate #themoreyouknow #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

Recession Proof Yourself in 2020 - Part 2!

Can a refinance solve all of your money problems? Probably.

I'm dead serious. The current interest rate climate coupled with an increase in property values means there are some very viable options out there to use your home to get your finances straight.

BUT - it has to be done right. I've got several videos on my YouTube channel on how to refinance well. Today, let's talk about if we can use this strategy to help you get ahead in 2020.

Questions? Hop on Instagram at 6pm tonight and I'll answer them live!

#renorealestate #refinance #studentloans #creditcards #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #homes #homeinvestment #homeowner #renotahoe #renonevada #renoisrad #thisisreno

My mortgage experience, as a stand alone.

I'm not like so and so. Working with me is different than working with xyz company. I'm better than this guy. You'll get a better mortgage with me than that guy.

What if competition wasn't the context to tell you who I am?

#renorealestate #renolender #mortgagelender #personalfinances #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno #refinanceyourhome #customerfirst

Are you following my new series for the new year?! I highly recommend you make 2020 the year you finally get your finances straight and Recession Proof Yourself. I’ll be sharing part 2 next week, so if you missed part 1 - head to my YouTube and subscribe while you’re there!

Part One - Whether or not this year is the right year for you to purchase a home is a very personal question. The answer is unique for everyone. But there is one reason NO ONE should be using to keep renting.

A big piece of your financial budget is your housing expense. So as you strategize for your New Years Resolution to take control of your finances this year - step one is evaluating your largest monthly bill.

Part 2 is coming next week! If you have questions on this first step, hop on Instagram tonight at 6pm!

Raise your hand 🙋🏽‍♀️if you can tell me something that’s more valuable to you right now than ⏰ Sure real estate is important, but how much time do you really have to dedicate towards figuring it all out?

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#renorealestate #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

Are you worried? Should you be worried? Who all is WORRIED?

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Listen, I don’t have a crystal ball - but I do know worrying is not productive. So instead, this year - I urge you to get prepared! Stay tuned!

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#themoreyouknow #newyearnewyou #newyearsresolution #budget #recession #recessionproof #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #renotahoe #renonevada #renoisrad #thisisreno

I hope these two have the happiest Christmas and all of you and your families too! @ Bartley Ranch Regional Park

Working Mom LIfe

If you missed Part 1, yesterday - head to Savannah Beauchemin's page first!

Whether I'm at home, the office or on vacation - I'm always working. So often times, there are litte people running around. Sometimes I wonder if this affects my credibility.

Stay tuned for part 3, which we'll post after Christmas!

I’ve heard this expression “one person can only do so much.”

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I STRONGLY DISAGREE.

New Series coming your way SOON! I feel very strongly that this is the year you HAVE to make your budget goals your most important #newyearsresolution. I want to help you take control of your finances in 2020!

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So get ready to follow along. I’ll share a video each week in January with realistic advice on how to make this your best year ever, money-wise! Then I’ll take your questions to make sure you’ve got the strategies you need.

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Follow me on FB and subscribe to my YouTube so you don’t miss this!
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#renorealestate #personalfinances #budgetgoals #newyearnewyou #problemsolver #opportunitycreator #helpmehelpyou

We got to celebrate an amazing year last night! Honestly, I can’t believe a year has passed since the last holiday party - this one FLEW by. @ Ascaya

Going "Local" doesn't require giving up convenience or speed!

Choosing a local expert as your mortgage advisor doesn't mean you have to compromise on convenience or efficiency. It really is the best of both worlds - especially if you don't consider yourself to be a mortgage expert. If researching mortgage options and underwriting guidelines and the bond market isn't a worthwhile use of your spare time, working with a real live person (who has made it their job to know these things) is going to be the way to go.

But don't worry, us humans can still process your mortgage quickly and easily.

#renorealestate #humansoverrockets #personalfinances #debt #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

Custom Home Building

Brian Gipe with BRG Homes gives some insight into the custom home world. Have you ever considered building your own place, from scratch? If so, this video is for you! Watch for a little perspective on what the process is really like.

The custom home world is fascinating to me. I can’t imagine making every decision about each tiny detail! Of course, I would love to have something that was exactly my vision.

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I visited @brghomesnevada on site at one of their projects to chat with Brian about the FULLY custom home world. I’ll share more from this convo on FB tomorrow so stay tuned!

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#renorealestate #customhomes #personalfinances #insurance #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

Think of me like your therapist.

The best part of my job is helping people look at their finances differently and get on the right path to success.

Of course, I'm fully aware that a lot of people dread coming in to meet with me. They don't want to be judged for where they are financially, but they do need a pre-approval sorted out in order to move forward with their home search.

It's silly to be scared or procrastinate your pre-approval meeting. I assure you, you're going to feel better once you know where you stand.

#preapproval #renorealestate #themoreyouknow #personalfinances #insurance #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying

Laser focused. Or as my husband calls it “tunnel vision.” Even as a kid, if I was reading the back of my cereal box eating breakfast - I could tune everyone else out. It drove my dad nuts.
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But, it really comes in handy in this industry when there are a million tiny details - each of them HUGELY consequential.
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And, I’ve already noticed that #brownjosh inherited this trait 😍 I’m not mad about it when he doesn’t answer me, I know it’s gonna be a helpful skill!!
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#mortgagelender #hyperfocused #realestate #personalfinances #mortgage #problemsolver #opportunitycreator #worksmart

Recession Proof Yourself

You may have heard some of the rumblings about a possible recession in the near future. A couple weeks ago, I shared with my BNI group three simple steps you can take to feel prepared instead of scared! Well, technically four steps if you're willing to consider a move to Reno...

Homeowner's Insurance

Audrey Quint gets real excited about Homeowner's Insurance. She explains how you should shop for it, why it's actually cool and what to pay attention to on your coverage.

Often when buyers are purchasing a home, there is so much going on they just grab an insurance quote, bundle it with their car insurance, add it to their mortgage payment and never think about it again. If that was you, watch this video!

And for more info - check out Audrey Quint Agency - American Family Insurance.

#renorealestate #themoreyouknow #personalfinances #insurance #homeownership #mortgagelender #renolender #problemsolver #opportunitycreator #realestate #properties #househunting #homes #homeinvestment #newhome #homeowner #renohomebuying #renotahoe #renonevada #renoisrad #thisisreno

Our Story

My mission is to empower people to achieve financial success through homeownership.

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Videos (show all)

When to pay POINTS...
How I sold Josh on Reno...
Breaking News - Why do you HAVE to get your finances sorted now?
Real Estate Report Card - Q1 2020
Recession Proof Yourself - Series Finale
Recession Proof Yourself in 2020 - Part 3
Recession Proof Yourself in 2020 - Part 2!
My mortgage experience, as a stand alone.

Location

Telephone

Address


5470 Kietzke Lane Suite 220
Reno, NV
89511
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