Sierra Pacific Mortgage

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Mortgage and Lending - Sierra Pacific Mortgage Raleigh
As a Raleigh mortgage lender we not only offer conventional and government home mortgage products, we know and serve our communities in the Raleigh area.   With a wide variety of loan products you can count on us to be your first choice as your Raleigh lender when you need to refinance or buy a R...
FHA insured loans have different waiting time requirements (seasoning)  based on specifics about the short sale.  The purpose that required the short sale, the mortgage payment history at the time of the short sale as well as other factors. Visit this page on my website to read the full version o...
It's true!  This new building commemorating Raleigh, cary and Apex leading Realtor Craig Rutman is the hottest thing since sliced bread!  Contact Craig today and find out why so many lenders and other real estate professionals recommend his services.  Guaranteed that at a minimum he'll ma...
Get VA Home Loan Rates for North Carolina July 14, 2014 I'm a US Army Veteran and have used my VA Home Loan benefit twice.  Both times without a down payment.  VA loans can go as high as 625,500 in some counties of North Carolina.  No monthly mortgage insurance and if you have a 10% or greate...
The answer is both.  Celebrating and spending time with our families is expected.  Just make sure to take a moment, even if it is just a few minutes to pause and reflect on all those who paid the ultimate sacrifice in all wars the United States has engaged in.   Because of our military we can sp...
We  Sell Direct to Fannie Mae   95% Purchase with 100% gift funds (Credit scores and debt to income limits apply) Borrowers with up to 10 financed properties allowed 75% of rental income for borrowers without 2 year landlord history Rate and Term refinance 1-day after listing cancellation and Cas...
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...
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 mor...
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: S...
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...

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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