With over five years of experience in the mortgage industry, Oneyda Romero has established herself as a dedicated and insightful loan officer at Nevada Prime Home Lending. Originally from Venezuela, Oneyda brings a unique blend of cultural perspective and professional expertise to her role.
Though her academic background is in marketing & journalism, Oneyda's true passion lies in helping clients achieve their dream of homeownership. Her transition from journalism to the mortgage industry was driven by a deep-seated desire to make a meaningful impact in people's lives. She takes pride in guiding her clients through the complex process of securing a loan and turning their homeownership dreams into reality.
Oneyda is also a devoted mother to a young boy and a loving wife. Balancing her professional and personal life, she cherishes spending quality time with her family, finding joy and fulfillment in every moment together.
Her commitment to her clients and her family reflects her belief in the power of dreams and the importance of supporting those around her. Oneyda's personal experience and professional dedication make her an invaluable resource for anyone looking to navigate the journey to homeownership. For any questions about home buying or to start your journey to owning a home, feel free to reach out to Oneyda. She's here to help turn your dreams into reality.
What we do is important, but what defines us is how we do it. We strive to earn your business for life by doing things right and doing them well.
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What our clients are saying
Amazing lender Oneyda, helping us out through the whole process on our new home. I’m extremely satisfied with Nevada prime home lending because they treated us like family from day one. We tried other places and didn’t feel comfortable until we landed here. I do recommend trying out this place out!
Speed, efficiency and quality. From the first moment they tell you everything you need and help you at all times so that the process will be as quick and easy as possible. I am satisfied and I am sure that I will contact them again in the future.
Committed to giving you all the support and guidance you need.
A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Loan Officer
Nevada Prime Home Lending | NMLS: 2488823
