OUR SERVICES
NEVADA PRE-APPROVAL
Obtaining a mortgage pre-approval for your Nevada home purchase is vital for several reasons
It can make the difference between a seller accepting your offer or going with another buyer, it also ensures that your lender will be able to fund your purchase.
Once you get preapproved for a home loan with K.C. and his Team, chances are the listing agent has done business with K.C. at Pinnacle Lending Group, now you’re a better prospect than someone who hasn’t begun negotiating with a lender.
Pre-approval is also helpful when you’re hunting for a house. If you have a pre-approval amount of $200K, for example, you know not to waste your time shopping for a $300K home.
You might have a lot of questions regarding how to get preapproved for a mortgage. Call K.C. today to start the easy, no-cost, no-obligation pre-approval process today!
NEVADA
PRE-APPROVAL
Obtaining a pre-approved mortgage for your Nevada home purchase is vital for several reasons and can offer you several advantages, such as:
- It can make the difference between a seller accepting your offer or going with another buyer by giving the seller peace of mind in regards to any financial worries, it also ensures that your lender will be able to fund your purchase.
- As we are a part of Pinnacle Lending Group, one of the most prolific lending entities in Las Vegas, our reputation with existing listing agents is solid. Because of this reputation, when you are preapproved for a home loan with K.C. and his team, you become a better prospect than someone who hasn’t begun negotiating with a lender.
- Pre-approval allows you to have a better idea of the range of homes you should focus on. For example: if you have a pre-approval amount of $200K, you know not to waste your time shopping for a $300K home. This can give you an edge in finding the home perfect for you, before it’s swept off the market.
You may have several questions regarding how to get pre-approved for a mortgage, which we are always more than happy to answer. Call K.C. today to start the easy, no-cost, no-obligation pre-approval process today!
CONVENTIONAL LOANS
A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government-insured loans such as those from the Federal Housing Administration (FHA), U.S. Department of Veteran Affairs (VA) and U.S. Department of Agriculture (USDA). The Loans by K.C. team is an experienced staff of Conventional Underwriters ready to stamp “approved” your loan application! If you need flexible programs and wholesale rates, call K.C. today to explore your conventional mortgage options.
VA LOANS
VA loans are guaranteed by the Department of Veteran Affairs and funded through approved lenders such as us. We are your Las Vegas experts on VA mortgage loans and have funded millions of dollars under this program. Whether you are PCSing to Nellis or Creech, we have the the very best VA mortgage rate and service terms for you! And of course, thank you for your service.
JUMBO LOANS
Do you need a loan amount over $453,100? Loans by K.C. has the very best investors that are seeking Jumbo clients and we are very active in the Jumbo arena. Do you need flexible Jumbo options, low documentation of income or a creative down payment? Then call us for unique Jumbo financing.
NON QM LOAN PROGRAMS
A Non-Qualified Mortgage is any home loan that doesn’t comply with the Consumer Financial Protection Bureau’s (CFPB) existing guidelines. If for example you can’t provide the fully documented income required for a traditional Qualified Mortgage; even if you have stellar credit, assets, and employment history, then a non conventional approach might be right for you.
We have several Non-QM programs and can provide prospective clients with options that extend beyond these agency guidelines. If you need this flexibility to qualify for a loan, then the Loans by K.C. team has the loan program that’s right for you.
FHA LOANS
FHA loans are mortgages administered by the US Department of Housing and Urban Development and insured by the Federal Housing Administration (FHA). As an approved FHA lender, let our in-house Direct Endorsed underwriting team secure your best FHA loan. If you’re saddled with a limited down payment or have tarnished credit, then let the experts on the Loans by K.C. team fund your low rate FHA mortgage.
