Find the Ideal Loan for You. I work with every client until I get their loan done— Michael Diaz can help, 20 years experience and the resources to get it done!

	Looking for mortgage advice? I'll be glad to discuss our mortgage offerings with you. Call me at 702-609-2607 or email mdiaz@awmlv.com. Ready to begin? Apply Now.

Breaking News and Updates

Harp 2.0 is here, if you have a Fannie Mae or Freddie Mac Loan and are upside down or have an interest rate above 4.5% contact me today or fill in this questionairre and fax to me at 877.646.8809 or email to pricing@realestateloandoctor.com.

All Western Mortgage Questionairre.pdf

----------------------------------------------------------

Deciding to buy a home or refinance a mortgage is an important step. Let us guide you to the loan program that's right for you. Conventional, Government, FHA, VA, USDA, Foreclosure Bailout, Hard Money, HomePath WISH Program, Down Payment Assistance, Construction, Land loans, Manufactured and Commercial Loans have them all. I have a dedicated team of mortgage experts to guide you through this important financial decision. For guidance in locating the best loan program for your situation, feel free to contact me at 702-609-2607.

In spite of the fact that frustration may come with purchasing a home, you can also look forward to a huge sense of accomplishment. You chose the house that was right for you — not for anyone else! Let our team members help. Getting the perfect mortgage loan can be as gratifying as being given the keys to your new home! We can show you how to make it happen. Call us at 702-609-2607.

About Refinancing

If you dread all the paperwork that you think comes with refinancing, we've got great news! "Less paperwork and more individual service" means you enter an anxiety-free zone from application to closing. If you want to improve your interest rate and monthly payment, we can simplify the process for you and eliminate your stress. We can also help you pay down your balance faster for a similar monthly payment. Let our mortgage experts guide you to the very best refinance loan! We are ready to show you how: 702-609-2607.

Top-notch customer care

Our mortgage team members will give you the personal service you deserve and treat you right. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your equity. So we make the following commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.

Have you had a Short Sale A BK...

Here are the rules to getting financing

Previous Short sale- Borrower cuurent at time of short sale you are considered eligible for a new FHA insured mortgage if all mortgage payments due on the prior mortgage were made within one month due for the 12 month period proceediong the short sale and all installment debt payments for the same time period were also made within the one month time period.  If you dont meet this then it would be considered a Froeclosure.  You can get a lona one year out of Foreclosure through FHA on case by case basis with that particular lender usually with 20% down on a portfolio loan.  Typically a client is not eligible for a FHA insured loan for 3 years from foreclosure.  Please email info@realestateloandoctor.com for information on your individual circumstance.

Bankruptcy Chapter 7

Borrower is eligible for financing 24 months after the discharge date and must have re-established good credit. If a mortgage was included in the Bankruptcy it would be considered a foreclosure unless the mortgage was reaffirmed.  Credit must be reestablished- 2 lines traditional credit opened 12 months, no late payments since the BK.

Chapter 13 Bankruptcy

Bankruptcies are allowed after 12 months of the payout period provided performance has been satisfactory and borrower received court approval to enter into mortgage transaction and is cash out situation and the BK is being paid off in its entirety.

What's next?

You'll find information on this website that will explain about us, how we will help you, and a few simple steps to begin the process. Or, you can call one of our mortgage team members at 702-609-2607. We're ready to help.