Home Mortgage Lenders Gardnerville 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 Gardnerville and information on home mortgage rates, home loans, and mortgage calculators.

Sierra Coast Mortgage
(775) 782-8622
1512 Highway 395 Suite-6
Gardenerville, 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
 
Gateway Bank Fsb
(530) 544-9980
1027 Emerald Bay Rd
South Lake Tahoe, CA
 
Wells Fargo - Carson Valley
(775) 782-7118
1542 Us Hwy 395 N
Gardnerville, NV
Type
Branch
Office Hours
Mon-Fri 08:00 AM-06:00 PM
Sat 09:00 AM-04:00 PM
Sun Closed

The Home Loan Group
(775) 782-2223
1511 Us Highway 395 N
Gardnerville, NV
 
American Home Mortgage Corp
(775) 586-1360
255 Kingsbury Grade
Stateline, NV
 
Central Pacific Mortgage Co
(530) 542-9285
2494 Lake Tahoe Blvd Ste B5
S Lake Tahoe, CA
 
Synergy Financial Management Corp
(530) 544-2611
589 Tahoe Keys Blvd Ste E-7
South Lake Tahoe, CA
 
Great Basin Bank of Nevada
(775) 753-3800
487 Railroad Street
GARDNERVILLE, NV
Services
Mortgage Brokers

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