Sierra Pacific Mortgage

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Real Estate Mortgage Broker - Sierra Pacific Mortgage Raleigh
Bookmark this blog post.  We've all had them.  The deal that is near the closing date and BOOM, loan denied.  Sometimes it is due to a poor pre approval or something beyond our control but when it is due to a lender overlay or stupid underwriting, stop and call me. 888-206-5781 x 1017 We have agg...
Posted about 1 month ago
The VA allows eligible Veterans / spouses and active duty military to refinance an existing VA home loan.  This program called the Interest Rate Reduction Refinance Loan or "IRRRL" requires only a few items to process.  In most cases we only need a credit report, copy of your ID and mortgage stat...
Posted about 2 months ago
I'm the first to admit that I hated structure before I got into the mortgage business.  I used to like to handle things as they came along rather than create and adhere to a schedule.  For those who love structure this doesn't pertain to you.  To those who despise it consider this fact: Structure...
Posted 2 months ago
Qualified Mortgage Rule or QM is a Federal Law that goes into effect January 10, 2014 which includes the Ability To Repay (ATR). Below is a summary of the changes: Lenders must ensure the borrower(s)  has the Ability To Repay (ATR) the mortgage.  Verification of the items used to determine repaym...
Posted 3 months ago
Hi Folks, After nine years with my previous employer and my mortgage business growing (thanks to you on Active Rain!) It was time to take my service to the next level.  Sierra Pacific Mortgage was the clear choice.  Loan packages go out the same day I get a clear to close from underwriting and th...
Posted 4 months ago
Aw shucks!  Once in a while it is okay to pat ourselves in the back when we do a good job. In this case I am letting Debe Maxwell give kudos! I didn't want to keep this a secret because I am always trying to grow my Realtor referral base.  If you or a real estate agent you know in CA or NC is fru...
Posted 5 months ago
I recently helped Ashley and Matt with their home purchase financing.  They had a lot of questions and needed someone to walk them through the "process".  It takes a lot of time for me to do the "walk through" process but in the end those customers end up being lifetime customers and always expre...
Posted 6 months ago
Current mortgage rate trends improved today on news that the Senate agreed to extend US borrowing until February.  Further improvements came when the Fed's beige book showed modest growth in consumer spending, business spending, housing and the economy. Can you see the rate improvement on this ch...
Posted 6 months ago
Open your umbrella, your wallet and most importantly your heart.  It's been raining on Active Rain, raining really hard! This last quarter has been a soaker!  I was able to send multiple clients to Jason Sardi.  Jason provides excellent service and my our clients love him. Debe Maxwell continues...
Posted 6 months ago
  Don't let a little thing like a total federal shutdown keep you from closing your real estate deals. Wait... could it? With many lenders, the answer unfortunately is, "Yep."   But with us, we're not skipping a beat!   Here are the details of what is likely tripping up some of those other lender...
Posted 7 months ago

Nevin Williams

Raleigh Mortgage Pro
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Additional Information


Northern California branch-

3700 Hilborn Road #700 Fairfield CA 94534

Southern California-

5360 Jackson Drive Suite 220 La Mesa CA 91942

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