Choosing the right mortgage lender matters

If you’re good at your job, the odds are you’ve set pretty high standards for yourself. But if you’re an expert, you’re going to insist on working with others who share those same standards. At least, Dianna Herra, a professional loan officer, knows that to be true. That’s why she made the decision to join Premier Mortgage Lending when she moved to Las Vegas in 2004, and that’s also why she’s never left. Herra began her career in banking right out of high school in her hometown of Chicago.

“Since then, I’ve worked in virtually every department, and when I became a vice president of loans, I knew I had found my passion,” she said. “So when I arrived in Las Vegas, I immediately started researching to find the top-producing mortgage company that shared not only my ethics, but my desire to always find better ways to serve my clients. I found that at Premier Mortgage, and frankly, now I wouldn’t want to work anywhere else. I love it here!”

By creating an intimate setting focused on teamwork, excellence and premium service, Premier’s owner, Rick Piette, has hit on a winning formula that excels in serving the needs of his loan officers and clients alike. The Premier staff enjoys working in a smaller, noncorporate environment — where common sense is valued, and changes can be made quickly to react to the market without having to deal with a lot of bureaucratic red tape. And customers benefit from the knowledge of an experienced team, a warm, friendly atmosphere and, more importantly, the reduced expenses of a small, local mortgage broker.

That last point is critical, because it helps Premier’s customers understand the seemingly inexplicable: Premier offers a true “No Fee” mortgage loan.

Many of Premier’s customers are shocked to discover that “No Fee” means exactly that — there are no loan origination, underwriting or document fees. And yet, the interest rate still matches what other lenders have quoted them.

“But it’s no trick,” Herra explained. “It’s because of two simple things: Premier has lower operating expenses than large banks and mortgage bankers, and we work on smaller margins. Because we pass those savings directly on to the borrower, we’re consistently going to be the best choice for a borrower. They’ll pay no fees and get a current market interest rate.” Another benefit to homebuyers by lowering the cost of obtaining a mortgage loan is that it gives them more buying power. This can be especially helpful for first-time buyers, or for Federal Housing Association loans when the customer only has enough money for the down payment.

That’s why Herra believes it’s important for borrowers to know that getting a mortgage isn’t only about the loan, but also about the quality of their loan officer. “Choosing to work with an experienced loan officer who is well-versed in current regulations and knows the local real estate market is often what can make the difference between getting keys to their new home or a loan denial letter.” When borrowers “get” that they can save thousands of dollars with a loan from Premier Lending, Herra explained that it’s rare they decide to go elsewhere. She receives many referrals from her client, and is proud of the fact that they return again and again for their subsequent loans.

“That’s important to me because I’m here for the long run,” she stated.

To speak with Herra about your upcoming mortgage needs, call her at 702-580-1415. And to learn more about how to save money on your next mortgage loan, visit our website at PremierMortgageLending.com.

Premier Mortgage Lending is located at 701 N. Green Valley Parkway, Suite 125, in Henderson.