Home Mortgage Lenders Carson City NV

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Carson City and information on home mortgage rates, home loans, and mortgage calculators.

Elliot Ames Nevada Inc
(775) 888-6262
307 W Winnie Ln Ste 1
Carson City, NV
 
Douglas Mortgage Inc
(775) 884-3863
1802 North Carson Suite 168
Carson City, NV
 
Greater Nevada Credit Union
(775) 888-6999
4070 Silver Sage Dr
Carson City, NV
 
Seattle Mortgage Company
(800) 489-0986
1626 Us Highway 395 N
Minden, NV
 
Guild Mortgage Company
(755) 450-9038
183 Highway 50 - Unit B
Zephyr Cove, NV
 
Mortgage Options Inc
(775) 887-1116
321 W Winnie Lanesuite 105
Carson City, NV
 
Nevada Housing Division
(702) 687-4258
1802 North Carson Suite 154
Carson City, NV
 
First National Bank Of Nevada
(775) 885-1206
1101 N Carson St
Carson City, NV
 
Sierra Coast Mortgage
(775) 832-7775
760 Mays Blvd # 15K
Incline Village, NV
 
Diablo Funding Group
(775) 833-1100
896 Southwood Blvd
Incline Village, NV
 

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Nevada Mortgage Licensing Body

Website: www.mld.nv.gov

Phone: (775) 684-7060

State: Nevada

Licensed By: Nevada Dept. of Business & Industry/Mortgage Lending Division

Additional Info: Nevada Dept. of Business & Industry/Mortgage Lending Division (775) 684-7060 http://www.mld.nv.gov/ http://www.mld.nv.gov/StatutesRegs.htm