| How do you keep your fees so low? |
| I'm competitive because I hold preferred broker status with many wholesale lenders across the nation. Most of my loans come through referrals so my overhead is very low. I don't have a large overhead for TV, Radio, and other advertising. This is another benefit to my clients. |
| Are there hidden fees I have to worry about? |
| No, everything is disclosed up front on the Good Faith Estimate so there are no surprises. |
| How do I know I’m getting the best loan for my particular circumstances? |
| I have a broad spectrum of wholesale lenders. We can choose from many prime lenders to lenders for folks with less-than-perfect credit. . I'm trained in a variety of loan products to fit virtually any situation. |
| How long does it take to get financing? |
| Generally, I can complete a loan in less than 45 days. My strength is in assisting borrowers with the required documentation. This can easily be done with a minimum of effort.. |
| Signing the final documents is sometimes confusing; how do you help? |
| I attend every loan closing. I know how important it is to understand the seemingly complicated documents. All my clients can count on me to be there to answer all their questions. That applies through every step of the loan process. |
| Is your on-line application safe? Should I worry about someone stealing my information? |
| My on-line application is 128 bit encryption which is widely used by banks and even the military to transmit data securely. You can tell secure sites by the https: in the address line, There will also be a locked padlock on the same line. Your information is stored at our office in protected data storage devices. We NEVER sell or exchange your information except with underwriters and credit providers. As required by state and federal law we keep your information for the period prescribed by law and then it is destroyed by an approved shredding process. |
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A note about taxes |
| If you purchase a home and pay the points out-of-pocket, they are tax deductible. If you refinance and take out equity for home improvements, any points you pay out-of-pocket can be amortized over the life of the loan. Seek the advice of an accountant for more detailed information. |
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Karen Pestana Cell - 775-230-2600 - 1650 N. Lucerne St, Ste 103, Minden, NV 89423 -
Office Ph 775-782-5020 Get Maps and Directions - Email Karen
