Realtors send clients to Art because he closes on time, talks to buyers in their language, and makes you look good. No referral fees. No MSAs. Pure service partnership.
These are the tools that actually move deals forward. No referral games. Just service that closes.
PRMG's LoanSense program restructures student-loan debt within 24 hours and can drop client DTI significantly. Buyers you wrote off as unqualified often get pre-approved.
Every document, call, and text in English or Spanish. Reno's growing Latino buyer pool is real money you cannot access without a bilingual lender. Art opens that door.
When buyer information is complete and identity is verified, pre-approval letters issue the same day. PRMG underwrites in-house. Manual UW available on FHA and VA files.
RESPA forbids paying for referrals on federally-related mortgage loans. Art does not do it. What Art does: close fast, communicate at every milestone, treat your client like they are his only deal. That is what brings them back to you for the next move.
Quick intro. Art reaches out within one business day to set up a 15-minute call.
No. RESPA Section 8 prohibits paying or receiving anything of value for referrals on federally-related mortgage loans. Art will never offer that and you should not accept it from any lender who does. What you do get: a partner who closes on time, makes you look great, and earns client loyalty that comes back to you for the next listing. Authoritative source: CFPB: 12 CFR 1024.14, RESPA Section 8 prohibition on referral fees.
No contracts. No exclusivity. No quotas. Art earns each referral by serving each client well. If a deal does not fit his programs he will tell you upfront so you can move on.
Three things: full bilingual EN+ES service that opens the Latino buyer market, in-house PRMG underwriting that removes third-party delays, and 25 plus years of Reno market knowledge that anticipates problems before they kill deals.
Call or text at every milestone: pre-approval issued, appraisal ordered, appraisal received, underwriting clear, clear to close, funds wired. You will not chase Art for updates.
Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.
