Mortgage Loans in Goodsprings, NV

If you are looking for a mortgage lender in Goodsprings, NV, I am Phil Cory (NMLS #2430878), a mortgage loan originator with City View Mortgage, and I work with borrowers in the outlying parts of Clark County as well as in the valley.

Financing property outside the valley

Goodsprings is a small unincorporated town in southwestern Clark County, reached by Goodsprings Road (State Route 161) off I-15. Properties out here can look different from a typical valley subdivision and can include larger lots, older homes and manufactured homes. Lenders and appraisers pay close attention to things like the property’s access, utilities and comparable sales, so I like to hear about the property early.

Manufactured homes can be financed with some programs; for example, FHA loans can be used for manufactured homes that meet FHA’s standards. City View Mortgage’s office at 5940 S. Rainbow Blvd, Suite 4014 is about 35 miles from central Goodsprings, roughly 45-55 minutes by car on State Route 161, I-15 and the 215 Beltway. There is no need to make the drive, though; the whole loan can be handled by phone and online.

If the property relies on a private well or a septic system, the lender may ask for extra inspections or reports before closing. Knowing that at the start helps us set a realistic timeline with the seller.

Purchase, refinance and equity options

Mortgage needs in Goodsprings tend to fall into three groups. Buyers want their financing figured out before they write an offer, so we look at conventional, FHA and VA programs side by side. Owners who already have a mortgage ask about refinancing, whether that is a cash-out refinance or a change in loan structure. And some homeowners want a home equity loan for a remodel or another large project. Because I work as a broker rather than for a single bank, I can shop a larger set of loan products for each of these. If the purchase price pushes the loan above the conforming limit, a jumbo loan comes into the conversation.

How the process works with me

It starts with a conversation about what you are buying or refinancing. From there you can fill out the home purchase qualifier, and I gather the documents a lender will want: income, assets, credit and the property details. I take on the detail work so you are not uploading files into an automated portal and waiting days between each step. When we have a loan that fits, I stay with the file through closing, and I am still available after we close.

Get started

Reach me at 702-832-0446, any day of the week, or start with the home purchase qualifier. I also cover the rest of Clark County.

Phil Cory, Mortgage Loan Originator, NMLS #2430878. City View Mortgage, NMLS #381715, 5940 S. Rainbow Blvd, Suite 4014, Las Vegas, NV 89118. Broker: Jason Lee, NMLS #381748.