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• Simple Rehab Loans for Home Purchases Needing Value Added Repairs less than $5,000 - GREAT WITH FHA!!
• USDA 100% Financing - No Monthly MI - One loan!
• Fannie Mae HomePath for REO Foreclosure Purchases
• $8,000 Tax Credit + Nevada Mortgage Credit MCC = Tax Savings Now and for 30 years! First Time Homebuyer $8,000 Tax Credit EXTENDED PLUS JUST IN $6500 Credit for current home owners buying a new home - see information on $8,000 Tax Credit page.
• BUYING IN FERNLEY OR DAYTON? Need $$ for down payment and closing costs? CALL US - there is special help available for these two cities from Lyon County.
  

Oven missing? No garage door?

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YES you CAN buy with FHA!

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Ask about our own program = SIMPLE REHAB LOAN....

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FHA Refinance NO APPRAISAL, closing costs rolled into new loan

until Nov 17th and then FHA says it's gone !!!

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FIRST TIME HOME BUYERS - NO APPLICATION FEES!

Call us for a free consultation over the phone!

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105% - 125% Fannie and Freddie Refinancing of 1st liens

Does your home qualify? Call us!

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Success stories, recent closings = what we mean by "lending speed."

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Short sale purchase - Appraisal ordered and completed, client's file underwritten and approved, conditions met, loan docs signed at 9:30 am on Tuesday, loan funded that afternoon. Less than 15 working days from start to finish...

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Refinance - loan file submitted to underwriting at 8:30 on Tuesday morning. Approval received at 1:00 on Thursday, loan documents sent to title company that afternoon, loan signed at 5:00.

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Short sale purchase -Appraisal ordered and completed, client's file underwritten and approved, conditions met, loan docs signed, loan funded. Less than 15 working days from start to finish...

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FHA Streamline Refinance - Client signed loan application on Saturday 10/13 ; No appraisal needed on FHA Streamline loans not taking cash out, file underwritten and approved, conditions met, loan docs signed on the 10th business day, note rate reduced from 6.125% to 5%* with no discount points paid. *APR 5.43

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Freddie Mac Relief Open Access Up to 125% Refinance Program  - Rate reduced from 6.25% to 5.25%** with no discount points paid.   Loan to Value 92%, 30 year fixed, one loan, NO monthly PMI required because original loan at 80% did not require it **APR 5.72  Until October these loans could only be completed by current loan servicer but are now open to other lenders. 

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With the changes that have occurred within the mortgage industry, many lenders have been unable to remain competitive or have exited the business completely. Our platform for originating and closing loans has given us the competitive edge needed to navigate these changes. Thinking big but acting small enhances our ability to maneuver quickly and meet market demands. By offering competitive rates, superior service and delivering our commitments to our clients, we have continued to thrive despite market volatility.

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Home Mortgage Resources, Inc. is a full service Mortgage Banker serving homebuyers in the Northwest since 2002. Our Corporate Office is located in Meridian, Idaho. We provide residential financing in California, Hawaii, Idaho, Kansas, Minnesota, Missouri, New Mexico, Nevada, New Mexico, Oregon, South Carolina, Texas, Utah, Washington, & Wyoming.

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We are a delegated FHA (Federal Housing Administration) Lender and Lapp VA (Veterans Affairs) Lender. We offer the following residential loan programs, IHFA (Idaho Housing & Finance Association), VA, FHA, RD (Rural Development) USDA, Nevada Mortgage Credit Certificates, Fannie Mae HomePath, Home Affordable, Conventional, Freddie Open Access, New Construction, Jumbo, ARMS, Investor Loans and Reverse Mortgages.

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Home Mortgage Resources Inc. sets itself apart from the competition by providing our customers with company processing, underwriting, document preparation and funding of each clients loan. We Make All The Decisions; from Application to Funding so you are kept informed throughout the process without waiting for answers.

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Get the best mortgage loan for you. When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's the best fit for your lifetime goals and needs! We are correspondent lenders with 10 of the largest banks in the US who compete for our business - that means great rates and more loan products available for our clients.

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Our Reno Branch Staff

Jerald Saffle, Branch Manager

(775) 225-0707 Cell

email Jerry

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Tomi Fratto, Loan Officer

(775) 771-2393 Cell

LOAN OFFICER ON DUTY - After Hours and Weekends!
775-324-7122

Home Mortgage Resources, Inc.

is an Equal Opportunity Employer

Located in the Heart of Downtown Reno

Just two blocks from Wingfield Park

in the Western Title Building

241 Ridge Street Suite 210

Reno, NV 89501

Local areas served include Reno, Sparks, Verdi, Cold Springs, Fallon, Fernley, Silver Springs, Carson City, Dayton, Minden, Incline Village, Lake Tahoe, full state of Nevada plus we are licensed in other states shown below such as California.

Thank you Bill for sharing your photos!

Home Mortgage Resources, Inc is licensed in the following states: California, Hawaii, Idaho, Kansas, Minnesota, Missouri, Nevada, New Mexico, Oregon, South Carolina, Texas, Utah, Washington, & Wyoming