It is my mission as your Las Vegas Mortgage Lender to provide an array of lending options to first time home buyers, current home owners, and investors both in residential as well as commercial opportunities. When I pull credit to find your loan program, we only need to pull it once to get quotes from all our approved lenders.
Should you choose to go through your local bank; they will pull your credit once but only have access to rates and programs within their own walls. If you aren't satisfied with their product or service, or are turned down, you may need to go elsewhere which means your credit will be pulled again.
Should you choose to go through your local bank; they will pull your credit once but only have access to rates and programs within their own walls. If you aren't satisfied with their product or service, or are turned down, you may need to go elsewhere which means your credit will be pulled again.
Services
The program applies only to loans that are owned or guaranteed by Fannie Mae or Freddie Mac. You can use the loan look-up tool available on Fannie Mae's website. If Fannie Mae does not own your loan, then check the Freddie Mac loan look-up tool. You have a small amount of equity or no equity (i.e., your loan-to-value ratio must be > 80% to be eligible).
The IRRRL program doesn't allow you to receive cash proceeds when refinancing, for example for a remodeling project even when there is enough extra equity in your home. There is one small exception here, as well, you can get an additional amount that cannot exceed $6,000 for energy efficiency improvements.
A small 3.5% downpayment requirement for purchases & no reserves are required. Meaning, if you meet all other requirements, you won't need to prove that sufficient funds to close have been sitting in your bank account for the last 60 days. The seller is allowed to contribute up to 6% of the purchase price to pay towards your closing costs.
In this case, the monthly payment is fixed over the life of the loan and the interest rate does not change. The Fixed Rate Mortgages typically vary between 30 year or 15 year terms. Your payment will generally be higher with this type of loan as compared with adjustable rate mortgages. Some lenders are now offering 40 year terms and in some cases, 50 year terms thereby reducing the amount of the payment.
A. A Short Refinance happens when your current lender allows you to write down the balance you owe on your mortgage. The current lender issues a payoff for an amount less than what the current loan balance is. The decreased payoff is reached through our negotiations with your current lender. With that payoff, we obtain a refinance for you with a new lender at the decreased loan amount.
Reviews (8)
Jeffrey Vajda
Jan 04, 2022
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Casey Moseman was instrumental in helping us buy our first home and patiently guided us through the entire process. With only a few weeks to accomplish this, Casey was always there to communicate with us and our real estate agent as part of the team, and was extremely flexible with different loan options as the situation changed. While the process would have otherwise been daunting, Casey was able to explain things in simple terms and provide the right information at the right time, allowing us to purchase the home of our dreams in very short order. We couldn't have asked for a better experience
Lane Radermacher
Dec 26, 2021
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Sean
Feb 12, 2021
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Casey is as good as they come. Dont hesitate to call her. I want to say a huge THANK YOU to Casey and her work ethic. My first time buying a home was a nightmare and when i found Casey the first thing I asked her was to communicate with me. We originally started a refinance in February of 2020 and because of Covid this process became 1000 times more complicated. Ultimately I was not able to complete my Refi until January of 2021. Over the entire year Casey continued to stay in contact with me, replying to emails punctually and always explaining the new Covid guidances in detail. When the time came
Allison Monette Cordova
Dec 08, 2020
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I would highly recommend working with All Western Mortgage. Casey is awesome and extremely responsive. She's great at walking through all the details of the rates, mortgages, and what your options are. She'll also accommodate to your individual needs to ensure the closing is timely and successful. She makes the process of approval very smooth, with easy access to electronic uploads that are secure. Thank you Casey and team!
Kim Fry Thiriot Es
Nov 16, 2020
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I could not be more pleased with Casey Moseman and her team for aiding me and my husband with the refinance of our home! She was beyond professional, gracious and patient! In these uncertain times, it's nice to know people still care about other people and are willing to go the extra mile. Thank you!
Sean Mayhew
Oct 06, 2020
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Kirsten Farrar
Sep 19, 2020
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Derek Davis
Aug 16, 2020
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It's never as easy as you think. Casey is like a pit bull; once she commits to getting you a loan she locks in and won't quit until she gets it done. We're self-employed and needed a Jumbo; both which create challenges - she had to work hard to get our deal done but get it done she did. We can't thank her enough and will refer all of our clients and friends to her without reservation. Huge thanks.
