I am a Mortgage Loan Officer in Reno. LO NMLS #312085 | NV Lic#10361 | Corp Lic #2731 | Corp NMLS #3113 | Equal Housing Lender
LO NMLS #312085 | NV Lic#10361 | Corp Lic #2731 | Corp NMLS #3113
Thank you for visiting my page. For most Americans, buying a home is the largest financial decision they will ever make. The mortgage you choose is as important as the neighborhood. My goal is to help you achieve financial freedom, build wealth, and experience your life dreams through the utilization of the best mortgage strategies. As a Certified FHA Specialist (CFS), USA Cares Certified Military Housing Specialist (CMHS), and the Certified Mortgage Coach (CMC) I am committed to the highest industry training, practices, professionalism, and ethics. Our mortgage process is designed to identify your unique financial goals. By incorporating the latest technology and market information, I am able to clearly illustrate the benefits of each mortgage program. If you are shopping for a mortgage in Reno, or anywhere in Nevada, please give me a call to discuss your mortgage needs and financial goals. I look forward to meeting you and guiding you through this important decision.
Mission: To be 1st CHOICE in delivering the dream of sustainable homeownership by inspiring hope and building prosperity in the lives of our Employees, Builders, Realtors, and the communities we serve.
keepingcurrentmatters.com There are great advantages to owning a home, yet many people continue to rent. The financial benefits are just some of the reasons why homeownership has been a part of the long-standing American dream.
keepingcurrentmatters.com Around this time each year, many homeowners decide to wait until after the holidays to list their houses.
keepingcurrentmatters.com Inventory on the market today is low, especially among existing homes in the entry and middle-level tiers of the market.
keepingcurrentmatters.com Success is something often worth repeating, and Brent Sutherland, a Certified Financial Planner and Real Estate Investor, has certainly made his way in a momentum-driving direction.
keepingcurrentmatters.com In a recent article, First American shared how millennials are not really any different from previous generations when it comes to the goal of homeownership; it is still a huge part of their American Dream.
keepingcurrentmatters.com Some Highlights: Historically, the choice between renting and buying a home has been a tough decision. Looking at the percentage of income needed to rent a median-priced home today (27.7%) vs. the percentage needed to buy a median-priced home (17.5%), the choice is clear. Every market is different.....
keepingcurrentmatters.com Some are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. One of the factors they’re pointing at is the availability of mortgage money.
keepingcurrentmatters.com The gap between the increase in personal income and residential real estate prices has been used to defend the concept that we are experiencing an affordability crisis in housing today.
keepingcurrentmatters.com Here are four great reasons to consider buying a home today, instead of waiting.
keepingcurrentmatters.com Much has been written about how residential real estate values have increased since the housing market started its recovery in 2012. However, little has been shared about what has taken place with residential rental prices. Let’s shed a little light on this subject.
keepingcurrentmatters.com In today’s market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared. Here are five tips from realtor.com’s, “How to Find Your Dream Home—Without Losing Your Mind.”
keepingcurrentmatters.com Some Highlights: The National Association of REALTORS® surveyed their members for the release of their Confidence Index. The REALTORS® Confidence Index is a key indicator of housing market strength based on a monthly survey sent to over 50,000 real estate practitioners. Practitioners are asked abo...
keepingcurrentmatters.com Today’s real estate market is nothing like the 2008 market. When an economic slowdown happens, it won’t resemble the last one.
keepingcurrentmatters.com Gen Zers are the next generation of homeowners, and they’re eager to jump in and buy their first homes. Whether you are part of this generation or any other, it’s never too early to start saving, so you can reach your homeownership goal sooner rather than later.
keepingcurrentmatters.com Based on the current state of the market, trends are shifting in favor of sellers. If you are going to sell, now may be the time to take advantage of the number of buyers who are searching for their dream home.
keepingcurrentmatters.com Some Highlights: Many buyers are purchasing homes with down payments as little as 3%. You may already qualify for a loan, even if you don’t have perfect credit. Your local professionals are here to help you determine how much you can afford, so take advantage of the opportunity to learn more.
keepingcurrentmatters.com In today’s world, hiring an agent who has a finger on the pulse of the market will make your buying or selling experience an educated one.
keepingcurrentmatters.com It’s common knowledge that your FICO® score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need.
keepingcurrentmatters.com According to the ‘2019 Home Buyer Report’ conducted by Nerdwallet, many first-time buyers still believe they need a 20% down payment to buy a home in today’s market. The reality is, a down payment is often much less.
keepingcurrentmatters.com Some Highlights: Learning the lingo of homebuying is an important part of feeling successful when buying a home. From APR to P&I, you need to know the acronyms that will come up along the way, and what they mean when you hear them. Your local professionals are here to help you feel confident and inf...
keepingcurrentmatters.com The residential real estate market has been plodding along for most of the year. However, three recent reports show the market may be on the verge of a rebound.
keepingcurrentmatters.com By making a few key upgrades to your home, you’ll save on your utility bills and improve the energy efficiency of your home. When you’re ready to sell your house, these key features will make it even more attractive to potential buyers.
keepingcurrentmatters.com The latest edition of the Realtors Confidence Index from NAR sheds some light on the relationship between seller traffic (supply) and buyer traffic (demand). Until the supply of homes for sale starts to meet buyer demand, prices will continue to rise.
keepingcurrentmatters.com Some Highlights: The “cost of waiting to buy” is defined as the additional funds necessary to buy a home if prices and interest rates were to increase over a period of time. Freddie Mac forecasts interest rates will rise to 3.8% by Q4 2020. CoreLogic predicts home prices will appreciate by 5.4% ...
keepingcurrentmatters.com When people talk about homeownership and the American Dream, much of the conversation revolves around the financial benefits of owning a home. However, two recent studies show that the non-financial benefits might be even more valuable.
keepingcurrentmatters.com According to a new study from realtor.com, the week of September 22 is the best time of year to buy a home, making it ‘Black Friday’ for homebuyers.
keepingcurrentmatters.com If you’re thinking about remodeling your house before you list it, take a look at these three tips to help you decide if you really need to fix it up before you sell. The answer may surprise you.
keepingcurrentmatters.com In today’s real estate market, more houses are coming to market every day. Eager buyers are searching for their dream homes, so setting the right price for your house is one of the most important things you can do.
keepingcurrentmatters.com Some Highlights: Buyers are active in the market and often competing with one another for available listings. Housing inventory is still under the 6-month supply found in a normal housing market. Homes are still selling relatively quickly, averaging 31 days on the market.
keepingcurrentmatters.com Price appreciation can differ depending on your price range. CoreLogic analyzed four individual home prices tiers and shares the increase in each one.
keepingcurrentmatters.com When searching for a home, you may end up selecting a property in a neighborhood with a Homeowners Association (HOA). Before you buy, it’s important to know how they work and what they mean for you.
keepingcurrentmatters.com Some Highlights: Keeping an eye on the current status of the housing market is one of the best ways to make powerful and confident decisions when buying or selling a home. Mortgage rates remaining near historic lows and houses selling in an average of only 29 days are just two key elements driving t...
keepingcurrentmatters.com Congratulations! You’ve found a home to buy and have applied for a mortgage! You're undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who wil...
keepingcurrentmatters.com With the current uncertainty about the economy triggered by a potential trade war, some people are waiting to purchase their first home or move-up to their dream house because they think or hope home prices will drop over the next few years. However, the experts disagree with this perspective.
keepingcurrentmatters.com So, you’ve decided to sell your house. You’ve hired a real estate professional to help you with the entire process and you’ve been asked what level of access you want to provide to potential buyers.
keepingcurrentmatters.com Freddie Mac, Fannie Mae, and the Mortgage Bankers Association are all projecting home sales will increase nicely in 2020.
keepingcurrentmatters.com Some Highlights: Hiring a real estate professional to help you buy your dream home or sell your current house is one of the most powerful decisions you can make. A real estate professional has the experience to help you confidently navigate through the entire process. Make sure you work with someone...
keepingcurrentmatters.com Last week realtor.com released the results of a survey that produced three major revelations: 53% of home purchasers (first-time and repeat buyers) currently in the market believe a recession will occur this year or next. 57% believe the next recession will be as bad or worse than 2008. 55% said the...
keepingcurrentmatters.com When buying a home, taxes are one of the expenses that can make a significant difference in your monthly payment. Do you know how much you might pay for property taxes in your state or local area?
keepingcurrentmatters.com Below are 5 compelling reasons listing your home for sale this fall makes sense.
Home At Last, Nevada Rural Housing Authority
From homeschoolers to teachers to early childhood and daycare providers, we know that many educators spend their own dough on classroom supplies … HAL wants to help put some of that back in their pockets! If you’re an educator (of any kind!) in Nevada, we will reimburse you for your classroom supplies up to $100!
Visit HomeAtLastNV.org for more info. about how to sign up!
keepingcurrentmatters.com Some Highlights: There is plenty of talk in the media about a pending economic slowdown. The good news is, home values actually increased in 3 of the last 5 U.S. recessions, and decreased by less than 2% in the 4th. Many experts predict a potential recession is on the horizon. However, housing will....
keepingcurrentmatters.com When thinking about selling their house, homeowners have many options. A relatively new option is using an “iBuyer.” What is an iBuyer?
keepingcurrentmatters.com According to the Pew Research Center, around 37% of U.S students will be going back to school soon and the rest have already started the new academic year. With school-aged children in your home, buying or selling a house can take on a whole different approach when it comes to finding the right size...
New American Funding is a direct lender offering home loan programs. Broker Solutions Inc. dba New American Funding NMLS #6606
Morgan Brantner NMLS #1123861 Sierra Pacific Mortgage Company, Inc. #1788 Equal Housing Lender
Brian M Cushing Senior Loan Officer NMLS# 303045 Company NMLS # 3274 Equal Housing Lender NV Banker #1076 NV Broker #1141
Has over 30 years experience in the escrow industry.
Using today's advanced automation systems, we provide our borrowers with tools and resources to make obtaining a mortgage loan from us a fast and efficient process.
Hi I'm Bev - Mortgage Consultant at On Q Financial! Licensing: NMLS# 451107 l NV LIC#42137. *On Q Financial, Inc. is an Equal Housing Lender, NMLS# 5645.
Quick closings, local processing, underwriting and closing. Our service doesn't get any better!
Caliber Home Loans, Inc., NMLS #15622 Equal Housing Lender Johanna Halosz, NMLS #403910, MLO#22959
Yolanda welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Visit her Website for more information! Sales Manager, Mortgage Loan Originator NMLS# 349105