Nevada’s Mortgage Price Leader
Get amazingly low mortgage rates with Nevada’s most trusted mortgage broker. You want the lowest mortgage rate at the best price – we get that. We work with multiple lenders and banks that offer some of the lowest mortgage rates available.
Mortgages Should be Easy!
We explain the process in easy to understand terms from your first phone call to the day of closing. It starts with a quick 30-45 minute loan application which is done over the phone or in person. Click on our loan checklist above so you know what items are needed to start the process. Return the signed loan application and list of items to our office and we will process your loan application.
Understanding BOX A vs BOX B
Understanding BOX A and BOX B on the Good Faith Estimate is important when you are shopping for the best mortgage rate. When you call us, we will explain what each box means and what to look for when comparing lender to lender.
BOX A = Box A represents the adjusted origination charge on the Good Faith Estimate. This is a very important tool when comparing costs. BOX A can be a cost or credit and is based on a number of things such as your FICO score, loan to value ratio, impounds, lock period, property type and interest rate. One of the first questions you should ask when you speak to a loan officer is WHAT IS YOUR BOX A?
BOX B = Box B represents costs such as title insurance, appraisal report, pre-paid interest on the new loan which is a function of your closing date, pre-paid items such as impounds, transfer taxes, owners title insurance and other items. BOX B can vary from lender to lender and is not a function of the interest rate. BOX B will be different for a refinance vs. purchase transactions.
BOX A + BOX B = Total Estimated Closing Costs. Make sure your loan officer explains these numbers in detail.
Current Mortgage Rates
Looking for a mortgage rate quote in Nevada? Call us and we will provide you a quick mortgage quote over the phone in less than five minutes.