Winnemucca Location

Winnemucca Location2023-07-11T12:18:24-07:00
West Coast Mortgage Group - Carson City Branch Location

We look forward to answering your mortgage questions, give us a call

530 Melarkey St. Ste 219 Winnemucca, NV 89445

The West Coast Mortgage Group Winnemucca office welcomes walk-ins and we encourage you to stop by! We work together as a family to make a difference in borrowers’ lives by providing quality home lending solutions. Our culture is built by a diverse group of extraordinary people focusing on our greatest aspirations of serving others and creating a simple experience navigating home lending opportunities.

Conventional Loans

If you’re thinking about a conventional loan for a home purchase, West Coast Mortgage Group has been serving borrowers with competitive rates and fast turnaround times since 2004.

Hot housing markets, such as Carson City, continue to see borrowers taking advantage of conventional loans with great rates. Conventional Loans are not part of a specific government program and can sometimes cost less than FHA loans.

Conventional home loans continue to be one of the most popular mortgages, as conventional fixed-rate mortgages remain the same throughout the entire life of the loan and come in terms of 30, 15, or 10 years.

Advantages of a Conventional Home Loan:

  • Lower mortgage payments for those with higher credit scores
  • No mortgage insurance with 20% or more down, lowering monthly payments
  • Can be used to purchase investment properties and second homes

that’s perfect for Investment Properties

With West Coast Mortgage Group, getting approved for your Conventional Loan is easy. We work hard on your behalf to take care of the details and pride ourselves on creating a simple process for our clients. Which translates into minimal work for you, and a smooth transition into your home.

FHA Loans

If you live in Winnemucca and are looking for the simplest loan to make a home purchase, look no further than an FHA Loan through West Coast Mortgage Group! An FHA loan is one of the easiest mortgage loans to qualify borrowers for with less-than-perfect credit. Even with poor credit, bankruptcy, or foreclosure, you may still qualify for an FHA Home Loan. However, to take advantage of the 3.5% down, you must have a credit score of 580 or higher. FHA loan amounts vary by state and county with a 3.5% down payment. Insured by the Federal Housing Administration (FHA), this option is most popular among first-time homebuyers because it allows for a low down payment and a less-than-perfect credit score.

Advantages of an FHA Loan:

  • Low 3.5% down payment with assistance for qualified homebuyers
  • Poor credit, bankruptcy, or foreclosure can still qualify
  • Shorter waiting period after financial hardships
  • No down payment required
  • Flexible credit guidelines

With West Coast Mortgage Group, getting approved for your FHA loan is easy. We work hard on your behalf to take care of the details and pride ourselves on creating a simple process for our clients, which translates into minimal work for you, and a smooth transition into your new home.

When you work with West Coast Mortgage Group, you aren’t just working with a great team; you’re also investing in the community. We care about social responsibility and continuing our efforts to improve the quality of life for our neighbors.

VA Loans & VA IRRRL

If you’re thinking about a VA loan for your home purchase, or even a VA IRRRL Streamline Refinance, West Coast Mortgage Group has been serving United States Service Men and Women with competitive interest rates and fast turnaround times since 2004. Veterans in hot housing markets, such as Carson City, are receiving major benefits from our VA lending products.

At West Coast Mortgage Group, we tremendously value our vets and sincerely appreciate your sacrifices. Veterans, active military, and their families qualify for VA home loans or mortgage refinancing with no down payment. West Coast Mortgage Group’s mission is to lock in the most competitive mortgage rate, guaranteed by the Department of Veterans Affairs, and deliver them to the deserving individuals who have served our country.

Advantages of a VA Home Loan:

  • No down payment required
  • Easy qualification for veterans, active military, and their families
  • No monthly mortgage insurance
  • Typically, lower interest rates than FHA loans and Conventional loans
  • Flexible credit guidelines

An IRRRL, or Interest Rate Reduction Refinance Loan, is perfect for veterans and military families who want to pay a lower monthly interest rate. This type of refinancing generally does not require a home appraisal or underwriting package and has significant benefits and savings.

Advantages of a VA IRRRL Streamline Refinance Loan:

  • No home appraisal needed
  • Lower your mortgage interest rate
  • Minimal documentation required

With West Coast Mortgage Group, getting approved for your VA Loan or IRRRL Streamline Refinance is easy. We work hard on your behalf to take care of the details and pride ourselves on creating a simple process, which translates into minimal work for you.

Are you a veteran thinking about home financing? Why not work with a certified Veteran Lending Specialist, like Michael Xavier of West Coast Mortgage Group? Mortgages are one of the largest investments an individual or couple will make. Michael has a great reputation for customer satisfaction by educating his clients so they make informed financial decisions.

Refinancing

Are you looking for cash, but not interested in credit cards, a personal loan, or a second mortgage? Convert your home equity into the cash flow you are seeking. If you’re thinking about refinancing your home and looking for the most competitive rate, West Coast Mortgage Group has been serving borrowers great rates and fast turnaround times since 2004. If you are living in a hot housing market and your home equity continues to increase, like in Carson City, take advantage of the great interest rates available to you!

Homeowners with existing FHA loans may be eligible for special FHA streamline refinancing. No appraisal is necessary, and challenged credit is okay. It is the fastest, simplest way for FHA-insured homeowners to refinance their mortgage. Even if you no longer live at the property, you can qualify for an FHA Streamline Refinance.

Two easy refinancing requirements for lower interest rates:

  • You have had income for the last 12 months
  • No late mortgage payments in the last 12 months

Advantages of an FHA Streamline Refinance:

  • Minimal documentation required
  • No income verification needed
  • No asset verification required
  • No minimum credit scores
  • No home appraisal needed

With West Coast Mortgage Group, getting approved for your FHA streamline refinance is easy. We work hard on your behalf to take care of the details and pride ourselves on creating a simple process for our clients. Which translates into minimal work for you, and a smooth transition into your new home.

When you work with West Coast Mortgage Group, you aren’t just working with a great team; you’re also investing in the community. We care about social responsibility and continuing our efforts to improve the quality of life for our neighbors. NMLS #5084

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Contact

Reach out to us so we can answer any mortgage-related questions you may have.

Phone Number

Email Address

  • info@wcmtg.com

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