Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
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When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
Kathe Stevens started her escrow career with Chicago Title in 1995. As one of the company’s top producing escrow officers, Kathe’s dedication and wealth of knowledge can be seen in every transaction she processes. Kathe is prompt, informative, and is extremely diligent and possesses a skillset that is unparalleled. Kathe is a very valuable asset to Chicago Title Nevada.
I have been a full-time Mortgage Professional in Nevada for over 17 years, and, together, my team and I have decades of combined experience. We STILL truly enjoy helping people purchase their homes! We are highly skilled in Conventional, FHA, VA, USDA (In AZ), and ALL Down Payment Assistance programs offered in Clark County. We are extremely dedicated to service, providing accurate information upfront, to avoid any "surprises" at the end.
Our goal is to meet and exceed our buyer's expectations. We pride ourselves on treating every loan as if it were our own. We are here for you throughout the entire process, from the initial application to closing and everything in between. Our dedication, accessibility, mortgage knowledge, and our excellent offered rates/fees, set my team apart from all of our competition. My Team is eager to EARN your business.
Olga is a Professional Mortgage Advisor with over 20 years experience in mortgage financing, dedicated to providing individualized mortgage products to fit each client’s needs. She has been a Las Vegas resident for 18 years and understands our unique real estate market. She is a true professional and consistently strives to deliver the highest degree of client satisfaction with a smooth and enjoyable transaction. Olga holds a wealth of knowledge in down payment assistance programs and promotes homeownership through homebuyer classes facilitated by her with non-profit agencies.
In addition, Olga is well versed with jumbo loan products and strives to empower both new and seasoned investors by researching and locating non-conforming products in both Nevada and California. Having helped over 1,000 families in her career with a “yes, we can-do” and “just do it” attitude, she is always seeking innovative ways to evolve and improve.
PRMG’s President’s Cabinet Member 2 years in a row, Shayna Laurel has been helping homeowners with their home financing needs for over 10 years. Growing up on the Central Coast of California, Shayna graduated from Cal Poly University and lived in Costa Rica for 5 years after graduation. Upon her return to the United States, she quickly jumped into lending and is licensed in both Nevada and California. She is well versed Conventional, FHA, VA, Home Equity Lines of Credit and Down Payment assistance programs. She is happy to assist you, your family and referrals!