Las Vegas Home Loan Las Vegas Home Loans Home Loan Las Vegas NV Home Loans Las Vegas

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We specialize in getting you the best Las Vegas Home Loan

Darren Wilson
Cell: (702) 612-1471
Office: (702) 688-5555
darrenwilson@envisionlending.com

We offer and specialize in the following:

No Application Fee

Free Credit Counseling

First Time Home Buyers

Investor Programs

Stated Income Programs

Fixed Rates

Bad Credit Loans

No Money Down Loans

FHA/VA Loans

Bankruptcy/Foreclosure

Pay Option ARM

Adjustable Rates

Contact Us anytime to discuss your specific situation and needs!

Do you need a Las Vegas Home Loan? Are you looking for a new home, need to refinance your current mortgage, need a second or buy an investment property? For any of your Las Vegas Home Loan needs we can provide you the service you deserve. We are Las Vegas Home Loan professionals that specialize in providing you with the information you need to make the right decision about your Las Vegas Home Loan. We are available to answer all the questions you have concerning your Las Vegas Home Loan. We have a team of Mortgage Professionals working with over 100 lenders dedicated to finding the exact Las Vegas Home Loan to fit your situation and needs. Whether you are a 1st time home buyer, have poor credit, a bankruptcy, no money down, we will be able to find the right Las Vegas Home Loan for you.

Years you plan to stay in the house and keep this Las Vegas Home Loan	Recommended program for your Las Vegas Home Loan
1-3	3/1 ARM, 1 year ARM or 6 month ARM
3-5	5/1 ARM
5-7	7/1 ARM
7-10	10/1 ARM, 30 year fixed or 15 year fixed
10+	30 year fixed or 15 year fixed

Las Vegas Home Loan Programs	Advantages of this Las Vegas Home Loan	Disadvantages of this Las Vegas Home Loan
Las Vegas Home Loan Fixed Rate Mortgages 30 year fixed 15 year fixed	Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down	Higher interest rate Higher mortgage payments Rate does not drop if interest rates improve
Las Vegas Home Loan Adjustable Rate Mortgages 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM 1 year ARM 6 month ARM 1 month ARM	Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts	More risk Payments may change over time Potential for high payments if rates go up
Las Vegas Home Loan Balloon Mortgages 7 year 5 year	Lower initial monthly payment Lower payment over a shorter period of time Many balloon mortgages offer the option to convert to a new loan after the initial term.	Risk of rates being higher at the end of the initial fixed period Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option
Las Vegas Home Loan First Time Buyer Programs	Lower down payment Easier to qualify Sometimes you may get lower rates	May be subject to income and property value limitations Some programs which have government subsidies may have a recapture tax if you sell the house too early.
Las Vegas Home Loan Stated Income Programs	Don’t need to verify income Faster approval	Higher rates Higher down payment
Las Vegas Home Loan No Point, No Fee Programs	Less closing costs Less money required to close	Higher rates Higher payments
Las Vegas Home Loan Imperfect Credit Programs	Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment	Higher rates Terms may not be as favorable Harder to get long term fixed loans Loans may have prepayment penalties
Las Vegas Home Loan Home Equity Line of Credit	You only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible	Rates can change. The maximum interest rate is normally high. Payments can change Harder to refinance your first mortgage
Las Vegas Home Loan Home Equity Fixed Loan	Fixed payments Interest may be tax deductible	Higher interest rates than on 1^st mortgages Harder to refinance your first mortgage

Besides our standard loan programs, we also have a large number of unique Las Vegas Home Loan programs to serve your needs:

Purchase a house with 0 down
Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down.
Debt consolidation programs
Home Improvement loans
Qualify even if you may have been turned down before!