I'm Bricia.
Your Local
Mortgage Professional

Welcome to my website

As a seasoned professional in the real estate industry since 2001, my journey began in the meticulous world of title and escrow. With two decades of dedicated service, I've polished my skills to guide clients through the complex journey of real estate transactions with accuracy and attention to detail.

Driven by a passion for helping clients achieve their dreams of homeownership, I transitioned seamlessly into the role of a Mortgage Loan Officer. My approach is rooted in research and unwavering dedication. I leave no stone unturned in my quest to secure the best possible loan programs for my clients, ensuring they receive not just a mortgage, but a pathway to financial security and stability.

Beyond my professional pursuits, I find joy in the beautiful chaos of motherhood. With two teenage boys keeping me on my toes, I've mastered the art of balance, both in life and in lending. Alongside my supportive husband of 20 years, I cherish the moments of family, knowing that the values of dedication and perseverance I instill in my work are mirrored in the love and commitment of my home life.

Join me on this journey towards your homeownership goals, where every question finds an answer, and every dream finds a home.

Bricia Smith

Loan Officer

NMLS# 2058704

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Bricia Smith picture
6543 S. Las Vegas Blvd
Las Vegas, NV 89119

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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

Bricia Smith

Loan Officer

NMLS# 2058704

Bricia Smith picture
Bricia Smith picture
Bricia Smith picture

Bricia Smith

Loan Officer

Direct Mortgage Funding | NMLS: 2058704

Getting started is Quick & Easy

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