When should you start the process?
Obtaining a mortgage can be stressful. Whether it’s a purchase loan or a refinance, it is never too early to start the process. If you are considering buying a home in the future it is worth meeting with a lender. It doesn't cost you anything and the information you will gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together showing where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
To make the process enjoyable, we try to do as much of the loan “upfront” as possible. This helps us identify any potential obstacles before you are in contract so that your escrow can be just slightly less busy.
It also aides us in presenting the strongest offer – if you are up against other buyers but your loan has been almost fully underwritten in advance – your offer is pretty much as good as cash!
What to Expect When Purchasing
Get to know me.
A mortgage loan is likely one of the biggest financial decisions you’ll make. Seeking out the right advisor to guide you through this process is even more financially valuable than negotiating the best rate. My specialty is the ability to help anyone and everyone succeed in the housing market.
As a direct lender, I consistently offer the lowest rates and fees but more importantly, I will invest the time required to find the best strategy for you and your family. Whether it be a refinance on your current home or the purchase of a new property – I am here to provide straightforward guidance on all of your mortgage needs.
Outside of work, I’m an overprotective mother of two boys and a girl, Dailey Method addict, and occasionally dedicated runner. I grew up in Reno and graduated from the University of Nevada, Reno. In 2012, after managing a small business for eight years, I decided to follow in my older brothers’ footsteps into mortgage banking.
Why Our Clients Love Us
"My Advice, skip the shopping & call Shivani"
"My wife and I decided to 'upsize' now that our kids our getting closer to moving out. Long story. After shopping around the mortgage industry we dealt with a lender who wouldn’t return a call for three days to our credit union who sent over a loan estimate that made no sense whatsoever. Our realtor sent us to Shivani and we are so happy with her services! We were already in contract on our new home and Shivani got estimates together quickly while we were on a road trip to Idaho. She made the process so easy and understandable and we were even able to close early thanks to her efforts. She also was able to save us some money on closing costs compared to other lenders. My advice, skip the shopping and call Shivani when you need a home loan!"
- Jason Lesher