I'm Berta.
Your Local
Mortgage Professional

Welcome to my website

As a Mortgage Professional, I have been very blessed to assist thousands of families since 1997. I work strictly on referrals, as nothing speaks volumes about me more than the confidence to refer friends and family to assist with their real estate needs.

Whether you are a first-time homebuyer, move up buyer, or looking to add to your real estate portfolio, I have an array of programs that will help most families access the American Dream.

When I am away from helping families with their real estate dreams, I can be found cheering on my AZ Cardinals, Phoenix Suns, or AZ Diamondbacks! Let's not forget cheering on our Nevada Wolfpack too, I just love sports! I have the most amazing family, extended family, and friends and we try to spend as much time together as possible. Curling up with an enjoyable book is another way you will find me spending my time.

Please reach out to me to discuss your particular needs and let my expertise guide you towards your goal of homeownership.

Berta Hillison

Sr. Mortgage Loan Officer

NMLS# 364789

Contact Me
Berta Hillison picture
6543 S. Las Vegas Blvd, Suite 200
Las Vegas, NV 89119

Getting Started is Easy


Mortgage Calculators

Calculate your mortgage payment, affordability & more


Loan Programs

Find out which loan program is right for you


Apply Now

Get pre-approved in minutes with our quick & easy app

Learn More About Mortgage News

Get insight on trending news and mortgage happenings with our weekly blog

Our Goal is to Help You find the right home

What our clients are saying

Get Answers to All your Mortgage Questions?

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.

Contact Me

Berta Hillison

Sr. Mortgage Loan Officer

NMLS# 364789

Berta Hillison picture
Berta Hillison picture
Berta Hillison picture

Berta Hillison

Sr. Mortgage Loan Officer

Direct Mortgage Funding | NMLS: 364789

Getting started is Quick & Easy

If you have any questions, I’m here for you