• 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
  • What is a physician home loan and do I qualify while in training?

    What is a physician home loan and do I qualify while in training?

    In the simplest terms, a physician home loan has more liberal underwriting guidelines, whereas conventional and FHA loans are underwritten to more rigid and inflexible underwriting guidelines. Conventional and FHA loans are rarely the best solution for a young physician in training. The Conventional Loan Conventional loans are purchased by government sponsored enterprises such as Fannie Mae and Freddie Mac. Over 95 percent of the loans in the country are purchased by Fannie Mae, Freddie Mac, or Ginnie Mae and … Read more

  • Never TMI about PMI

    You Can Never Have TMI about PMI :)

    When it comes to buying a home, whether it is your first time or your fifth, it is always important to know all the facts. With the large number of mortgage programs available that allow buyers to purchase a home with a down payment below 20%, you can never have Too Much Information (TMI) about Private Mortgage Insurance (PMI). What is Private Mortgage Insurance (PMI)? Freddie Mac defines PMI as: “An insurance policy that protects the lender if you are … Read more

  • Election chaos impact on home values

    I’m not sure if you saw the most recent pending home sales report but the numbers were clearly down from last year, meaning less homes are selling today as compared to last year at this time. The question I have is does that mean we are entering a pullback in home prices, and could the chaotic presidential election put us into a housing downturn? Let’s look at the numbers: It is clear that pending home sales are below last year. … Read more

  • Election chaos impact on home values

    I’m not sure if you saw the most recent pending home sales report but the numbers were clearly down from last year, meaning less homes are selling today as compared to last year at this time. The question I have is does that mean we are entering a pullback in home prices, and could the chaotic presidential election put us into a housing downturn? Let’s look at the numbers: It is clear that pending home sales are below last year. … Read more

  • Rents are up = strong housing market!

    Housing Facts and Figures Without The Subjective Opinion

    Zillow just released their 2016 mid-year report and 3 of the figures shocked me, so I thought I would share them with you. The question I’m getting from clients is, are we in another housing bubble? Based on these numbers below, you decide: The number of homes for sale nationally are DOWN over 35% since 2011. Supply nationally is super low. This graph is really amazing. The national average to sell a home from listing to closing is down 53%, … Read more

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