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  • My wife and I were treated like gold throughout the entire process working with the team for our home loan. Even after I closed I was skeptical that if I had a question about our loan that we wouldn’t be helped as quickly. I was wrong; they replied to my questions and were very helpful along the way and even after closing.

    Dr. Tyler Hicks, DMD, Dental Resident, VA Hospital
  • If anyone out there paid as much attention to a loan as this group, more people would be able to get the funding needed to close on a home. I appreciate the detail and time that was spent in getting us closed. Thank you so much.

    Dr. Craig Taylor, DDS, and Allison Taylor – Henderson, Nevada
  • We lived clear across the United States from where we were building our home and the team made the entire thing hassle free doing everything via email. This was our first home purchase and they were able to keep our minds at ease and answer all of our questions.

    Jason Pursley Parker and Dr. Ryon Parker – Southern Nevada Internal Medicine
  • We had a great experience buying our home with David Nelson and team. Emails were answered promptly and everything went very smoothly. The final cost came in under the estimate as well, which was a nice surprise. I would recommend them to others.

    Danielle and Dr. Mark Rowan, Pediatrician – Alpine Pediatrics
  • The day of the loan, he called us and told us we could actually lower the interest rate that day if we wanted to wait a few days, which I don’t think many lenders would ever do. So it was a great experience, I’d recommend him to anybody.

    Dr. Tricia and Derek Twelves – Riverton, Utah
  • 10 Ways to Get Your Home Ready For Spring/Summer

    As the winter months come to an end, the warm weather approaches and heats up the earth. Your home has been sitting, cold, wet, and without much maintenance for quite awhile now. It’s time to get out and make sure your home is still in great shape and ready for the warm season ahead! The gutters are a huge part of your homes well-being. They control the flow of water and protect your roof, walls, and yard from rainwater! Make … Read more

  • Do I Need A Down Payment To Purchase A Home?

    Do I need a down payment to purchase a home? This is a question we get asked quite often by first-time home buyers and the answer is, NO. Many first time homebuyers may qualify for down payment assistance*. There are down payment assistance programs all across the country which are often administered by local or state housing authorities and nonprofit organizations. Down payment assistance can come in a variety of ways which include; grants, fixed second liens as well as … Read more

  • Rising Mortgage Rates DO NOT Lead to Decreased Home Prices

    A lot of people think that rising interest rates will result in lower house prices. What they don’t know is prices are determined by supply and demand.  While rising rates may slow demand, they also affect supply. “For current homeowners, the decision to buy a new home is typically linked to their decision to sell their current home… Because of this link, the financing costs of the existing mortgage are part of the homeowner’s decision of whether and when to … Read more

  • What Is An Escrow Account?

    Many people wonder what an escrow account is, so what is it? What is an escrow account? When you’re buying a new home, you’ll set up an escrow account, which will be the account in which your taxes and insurance are paid annually when they come due. So rather than you making a mortgage payment, and then once a year paying your insurance or taxes, you make one mortgage payment and a portion of that payment is diverted to the … Read more

  • History of Mortgage Interest Rates & Why We Shouldn’t Worry

    History of Mortgage Interest Rates & Why We Shouldn’t Worry As I write this in March 2018, interest rates are rising and may hit the 5 percent* mark this year. This trend is not slowing down and the days of 3 percent mortgage rates, which we have enjoyed since 2012, are likely gone for a very long time. When examining historical interest rates, the 5 to 6 percent range is actually a good deal! Starting back in the early 1970’s, … Read more

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