Nevada Arizona Property Mortgage - Construction Loan Nevada Arizona

Specializing in Stated Income, Self Employed Mortgages, The Lowest Cost and Lowest Interest Rates Available

As most of you have heard, seen or read, the mortgage market continues to operate in turmoil. There is a lot of misinformation out there. The best service you can provide yourself is make informed decisions about your financial future. More than any other time, it is your responsibility as a consumer to educate yourself by engaging the experience of the financial professionals already in your life (accountants, CPA's, financial planners).

Many of the 'Outside the Box' programs that were freely available, no longer are. Banking is moving back to traditional lending practices. In most cases, rightly so. With the final collapse of the largest mortgage lender, Countrywide (they are calling it a buyout) and other large names to follow, there will be fewer options available. But, options are still available. Rates are still at near record lows (below 6% for conforming 30 yr fixed rate loans up to $417,000 currently) for those who can qualify under these more restrictive guidelines.

The Zero Down programs are all but gone, especially buyers looking to purchase in markets that continue to decline. You may qualify for the program, but the location of the property will dictate whether or not the lender will commit to that level of risk. Usually, not.

Bottomline, make your decisions wisely. Real Estate is an investment. Treat it accordingly.

Stated Income is Still Available!

Nevada, Reno/Lake Tahoe Mortgage Specialist, Bruce Specter, has designed this site to provide you with all the information you need about obtaining the mortgage that is right for you! We can help you with all of your Nevada mortgage loans (including Reno-Tahoe areas and the Las Vegas areas such as Summerlin and Henderson (minimum home loan amount of $175,000.00). You'll find valuable information on different Mortgage Programs that are available, such as fixed rate mortgages, adjustable rate mortgages (ARMs), No Income Verification loans (NIV), and construction loans just to name a few! You'll also find answers to the most frequently asked mortgage questions in the Mortgage FAQ and if you have any questions about mortgage terminology, then visit the Mortgage Dictionary. Once you have reviewed your options and taken a look at Current Interest Rates, you can contact Bruce determine how large of a loan you pre-qualify for.

Low Cost . Lowest Rates - My low overhead and mortgage banking relationships mean the lowest possible fees and rates for your next home purchase, refinance or construction loan. Don't be fooled by the bait and switch commercials or Mortgage Market pages in the paper. If they can't honest with you up front, how do you think it will end? NOT In Your Best Interest!

Stated Income / Stated Asset - Financing for those not wishing or cannot (based on current underwriting guidelines) prove enough income to qualify. Stated Income to 90% to $1.8M ($2.25M full documentation).

Lot and Single Close Construction Loans - up to 90% Lot Loans, 1, 3 and 5 year terms. One Time Construction Loans to $5M, including SPEC Construction Loans. Nevada only, minimum loan amount $175,000.

Single Close construction loans Up to $5,000,000.00. For your next custom home, you deserve custom financing services from someone who has been through both the residential and commercial process personally. You can't afford a rookie when it comes to the ins and outs of custom construction financing. I provide lot and construction financing for primary and secondary homes as well as spec financing for custom builders. Nevada and Arizona only.

Non-Contingent Loan Approval - You can purchase your new home without having sold your current one, up to 95% Loan to Value. Even use the equity in your current, listed home for your down payment. Call or email for details.

We are all consumers. I value each customer relationship as if it were my only. You receive the same high level of service that I demand as a consumer. Because of this, my business has grown primarily by referral. This allows me to spend most of my time serving you. As a valued customer, you benefit from this dedication. As your mortgage 'resultant', I ask that you refer me to family, friends and colleagues. My success is based on your satisfaction.

As a real estate loan is almost always the single largest debt you will incur, it is crucial to obtain the most favorable loan terms. By working with the knowledgeable and experience of Bruce Specter, you can achieve this goal. We work with you through every step of the mortgage process:

Providing tailored financing to fit your needs and goals. We provide hundreds of programs from simple single purchases to multi-person/unit transactions across the country. Mortgage Programs include:

Negotiating the most favorable loan terms and conditions. Working on your behalf to give you the best overall package.

Bottom line: I am flexible. I get the job done. No Games. No Excuses. My work is always In Your Best Interest!^Ž

Ž Always working...In Your Best Interest is a registered service mark of Bruce Specter

Mortgage Process	Mortgage Programs	Construction Loans	Refinancing	Real Estate Investing
Current Rates	Your Credit	Get Pre-Qualified	Contact Bruce	Related Links

BRUCE T. SPECTER

Always working....In Your Best Interest!^Ž

BRUCE T. SPECTER

Always working....In Your Best Interest! Ž

Always working....In Your Best Interest!^Ž