With over 20 years of experience in the mortgage industry, Rolando Mestre stands as a pillar of expertise and dedication at Nevada Prime Home Lending. As the broker and owner, Rolando combines his deep industry knowledge with a genuine passion for helping clients achieve their homeownership dreams.
Rolando's journey is a testament to the American Dream. Originally from Cuba, he emigrated with a vision of building a better future. Today, he is not only a successful entrepreneur but also a proud father of two beautiful girls and a loving husband. His family is at the heart of everything he does, and he cherishes every moment spent with them.
Rolando's commitment to his clients goes beyond the business. He finds immense joy in guiding individuals and families through the process of finding and financing their homes. His extensive experience, combined with his personal understanding of the immigrant experience and the value of homeownership, drives him to deliver exceptional service and support.
When he's not helping clients secure their dream homes, Rolando enjoys spending quality time with his family and contributing to his community. His story is one of hard work, perseverance, and a deep-seated desire to make a positive impact in the lives of others.
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
Company is amazing! Rolando was very informative, resourceful, and helpful during the whole process. Was quick to provide updates about changes and what were the next steps to come. Make the process of owning a house a smooth and easy process. 10/10 would recommend people to use them when looking to purchase a house. Also everyone was very kind, great customer service!
Nevada Prime Home Lending is the best! They’ve helped me refinance and buy homes a few times over the years, and it’s always been smooth and easy. They know what they’re doing and make sure everything closes on time without any problems. I trust them completely and always recommend them to friends and family.
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.
Broker/Owner
Nevada Prime Home Lending | NMLS: 1083757
