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Las Vegas Mortgage Loan Officer

Welcome Home Nevada only refers to business partners with a proven track record.  That means we have done enough business with these partners over the years that a relationship of trust has been developed.  When we give a referral we put our relationship on the line and we NEVER take that likely.  We are confident in referring to these business partners to you.  

Nevada Federal Credit Union
Colleen Carroll
D: 702-948-5356
E: colleenc@nevadafederal.org
Colleen offers many great loan programs, interest rates and some of the lowest fees in the business.  NFCU only works with folks who live in the state of Nevada.

Wells Fargo Home Loans
Lisa Foster
Branch Manager
B: 702-207-1755
C: 702-917-9592
E: Lisa.j.Foster@wellsfargo.com
Lisa specializes in standard loans, FHA 203K (renovation loans), and DPA-Down Payment Assistance loans. She is a NAREB member.

W.J. Bradley Mortgage
Darren Lennemann
4000 S Eastern Ave
Las Vegas, NV 89119
D: 702-493-1924
E: darren.lennemann@wjbradley.com

Finding the Best Interest Rate

Every buyer wants the best loan, with the lowest possible interest rate. Unless you're different, you would be wise to do a little homework yourself. Keep reading to find out about the options a consumer has in securing the best rate possible.

Do your own research.

The internet is an easy way to research mortgages and interest rates. You can start with the Bank Rate Monitor, a site with all kinds of info about mortgages, real estate investment, and a lot more.

Keep in mind that the Federal Reserve sets the standard for national interest rates and the banks who are lending the money are continually adjusting rates accordingly. The rate you find one day may not be available tomorrow. If you find a loan you like, you should submit a loan application ASAP. If you are planning on securing a loan, make sure the broker can execute loans in Nevada.

Make sure you are comparing apples to apples. It would be a mistake to try to compare loans that are not even the same loan types - a common mistake made by consumers. For example, you find that Loan A and Loan B are both “30 year” loans, but Loan A has a much lower interest rate than Loan B. Upon further review, you find that "Loan A" is an adjustable rate mortgage. Its payment is based on a 30 year amortization, but becomes due via full payment or refinance at the end of 5 or 7 years. These are frequently referred to as a 5-year or 7-year fixed-rate mortgage. While both stated "30-year", they are far from the same type of loan.  Look at the Types of Loans resources to get an overview of different types of loan programs available. 

Also make sure to request a statement detailing all fees associated with the loan. Items such as points (loan fee), interest rates and garbage fees vary from one lender to another.

Use a Mortgage Broker.

If you don’t have the time to do your own research, locate a trustworthy mortgage broker. Make sure the broker is knowledgeable, listens well and is trustworthy. Ask your Las Vegas Mortgage Broker for references if you have time to research further. You should feel confident that they have your best interest in mind.



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Real Estate Blog
September 1, 2010, 6:05 am
Nevada Energy Provides Perks for Las Vegas Real Estate Residents
Moving trucks are being packed as I write. People are moving over the long weekend. Moving into a new(er) home may very well include updating old appliances including that refrigerator that doesnt have an ice or water dispenser. The one that wont stop making that clicking noise the one that you actually have to make the ice cubes by hand. The months of September and October have often been considered the best time to purchase large appliances. The new models are arriving. Out with the old and in with the new. The prices are reduced on the old models and Voila Youve got a fantastic sale (start looking over the Labor Day weekend). Nevada Energy (formerly known as Nevada Power) has been providing energy to the Las Vegas Real Estate residents for over 100 years They are in the business of providing not only energy but tools and resources for their patrons that allow them to reduce their overall energy costs. One such program is the Refrigerator Recycling Program. Heres where Nevada Energy comes in. If you are a Las Vegas Real Estate resident and own the home where the refrigerator is located Nevada Energy will come pick it up for FREE They will take up to two refrigerators from the residence. Up to 95 of the refrigerator is recycled Upon completion they will send you a check for $30 per refrigerator How awesome is that? So head out this weekend. Find the sales on the old but still new floor models then call Nevada Energy at 18772898260 to recycle your old one. This is one of those times where it literally pays to recycle
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August 30, 2010, 6:34 am
A Cool Tool for School: Libraries in Henderson Real Estate
For many kids living in the Henderson Real Estate area school starts today Parents seem to be sighing relief or crying tears as the house will be a little quieter. Children have their firstday outfits picked out and are ready to see their friends again. With the hustle and bustle of the end of the summer family vacations gathering up of all school supplies searching for the best sales to buy the back to school clothes since they grew five inches this summer and finding who has the best deals on school uniforms what else could a parent possibly be forgetting? Did you get your child a library card? Yes I am talking about a city of Henderson Public Library card With five wonderful locations Henderson libraries are where its at. Many families do not even consider this as an option but the benefits are fantastic. Here are some highlights Check out books of all sorts for weeks at a time. Yes they have new books not just ones that were donated in the early 90s. Free movies Check out DVDs (new releases too). Did your kid have to take a sick day? You can check out up to 7 at a time. Save the Redbox fees and get them for free at the public library. Free music and books on cd. Use any of the computers and internet services that the library has to offer. Dont have a computer at home? Go to the library and use theirs. All you need is your card. Renew books online reserve books online search for materials online. The possibilities are endless. Take your kid to the library Instill in them a healthy respect for books music and arts. Youll find that there are numerous things available. They offer tutoring free events throughout the year story times movie nights concerts an array of free classes book clubs writing clubs even a 5k walkrun supporting the Henderson Libraries All you need is a photo id and proof that youre a resident living in the Henderson Real Estate area. A recent utility bill with your name and address will work just fine. Go to mypubliclibrary.com for more information on the Henderson Libraries.
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August 27, 2010, 5:13 am
Las Vegas Real Estate is Cleaning Up
Have you ever heard of a tamarisk? It sounds like it could be an exotic herb or rare delicacy but it is neither. The tamarisk is in the evergreen tree family and is also known as the salt cedar. With over 50 different species these plants grow rampantly in salty areas. Many have made their home in the Las Vegas Real Estate area through the waterways. The tamarisk takes root and as the roots lengthen and descend further down into the soil it sucks up the salt from the soil. As times progresses the tree will basically sweat out the salt through its leaves leaving a light covering of salt on the surrounding soil. Over time this salt builds up creating large salt deposits that hinder water passage and growth to surrounding foliage. These deposits can only be washed away by heavy rains and since heavy rains are not that common in Las Vegas it tends to be a problem. Tamarisks rid of most of the plant competition in the area as they take all the salt and any water source below the surface with their incredible extensive root system. Along with robbing the soil in the sweating process any plant that would survive is usually damaged by too much salt atop the surface. The tamarisk quickly takes over acreage along waterways restricting water flow by crowding the area and by killing other plants necessary to keep waterways healthy. Tamarisk removal in Las Vegas can only be successful if it is uprooted. The city of Henderson is currently in the process of eliminating the tamarisk as one of the larger focuses of Project Green. The city believes that tamarisk removal is one of the only ways to restore health and beauty to the surrounding waterways that have been encroached on and maimed by the tamarisk.
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