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My name is Casey Moseman, CMPS® (certified mortgage planning specialist®). And what that means to you is that I am your Las Vegas Mortgage Banker/Broker & work for you to find the Las Vegas Home Mortgage that suits your financial goals. I am not an internet lender nor am I competing with internet lenders. There is a very big difference between the product & service I provide with the product provided by lenders who ask for the loan process to be completed online. It is important that I make this distinction because it is such a large distinction and may make an impact on your decision to use a Las Vegas Mortgage Banker/Broker found through an online search. You will see that I do not have a application for you to complete online. This is my job and not yours. Websites that ask you to complete your own application online are not providing you any service by doing so. This is merely a lead generation technique and does you no good. A Las Vegas NV Mortgage is a large transaction and a very large step to take in one's life and should be done with your loan officer every step of the way. The application is the most important step of the process as this is where your loan officer gathers all the important information about you and your life.
In your search for a mortgage planner you should be aware of the distinction between one that is a certified specialist and one that calls themselves a "mortgage planner." A true CMPS® has undergone rigorous testing that involves three important areas concerning home loans which are mortgage planning, tax implications and financial strategies. CMPS® graduates are committed to raising the standard for mortgage professionals and less than 1% of mortgage officer's nationwide can call themselves CMPS®.
The team I work with at Residential Capital Mortgage Corp, a Las Vegas Mortgage Banker - Broker, can provide you the type of professionalism & experience you deserve along with a wide range of mortgage loan options at our fingertips. We use web-based tools that allow the origination and processing of your loan to flow smoother and faster than you've ever imagined.
Working as a las vegas mortgage banker - broker, I am certain we will find a loan & with the best rate that meets your needs. Need assistance with your raising your credit score? I can help!!! Looking for competitive mortgage rates? Look no further!! Las Vegas First Time Home Buyers are welcome.
Because I am local, I am very easy to reach. You can stop by and visit my office or even better I can come to you. Also having local experience, Residential Capital Mortgage Corp uses only the best of the industry professionals.
It is my mission to be the dominant 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.
I look forward to earning your business...
Be sure to check out my articles on:
A trend that has been reported every year is that home sellers tend to put their listings on the market very close behind the Super Bowl. Some think that it's because there is data showing that the buyers don't come out until the sports fans can get off the couches. Whether that's the case or not, there is data to show a jump in listings and in buyer activity right after the big game. Read more...
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A client of mine trying to purchase a home very recently had questions about credit repair and how to get started. Many of the calls I receive and quite a few clients I have are all in search for ways to improve their credit score. I thought this would be a great topic to write on as CREDIT in general is a question for so many people. Read more...
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HUD and the FHA have officially waived some major components of what's known as the 90 Day Flip Rule. Basically, this rule forbid the use of FHA loan guarantees for the resale of a home within 90 days of a previous change of ownership. Therefore the old 90 day flip rule prevented a buyer to use FHA financing to purchase a home where the seller hasn't owned the home for at least 90 days. It's intention was to stop abuses of the system and consumers in the fast flipping of homes, often with large profits unrelated to any added value in the flip. Read more...
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The HELOC, or Home Equity Line of Credit, was a very popular loan type during the years of rising home prices. It seemed that equity increases were the rule, and the HELOC was a safe bet for both the homeowner and the lender. Many homeowners took significant amounts of cash out of their equity to finance everything from new cars to vacations and home improvements. Of course, the events since 2006 have put a huge dent in the numbers of HELOC loans. In the past, they accounted for as much as 13%+ of all mortgage loans, but recent numbers are estimated by some sources to be less than 3%. Read more...
Filed under: Uncategorized
Though cash purchasers and some borrowers are able to pay their own taxes and home insurance, most of those with mortgages have a set amount put away out of each payment into escrow to pay those important expenses. Lenders have required this system in order to protect their interests by making sure that tax liens wouldn't be filed or homes destroyed without adequate insurance to pay off the mortgage. By and large, it's been an effective and non-abusive process that is fair to all parties involved. Read more...
Filed under: Uncategorized
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