Mortgage Services: Purchase, Refinance & More

As a licensed mortgage broker through Five Star Mortgage (NMLS #1756744), I help clients find the right mortgage solutions—whether you’re buying a home, refinancing for a better rate, or accessing your equity.

Mortgage Products I Offer

A small model house with a gray roof and red wall sits on a wooden table next to a set of keys, symbolizing the first step toward homeownership with trusted mortgage services.

Buying a home? I’ll help you navigate the mortgage process:

Conventional loans (fixed and adjustable rate)
FHA loans (lower down payment options)
VA loans (for eligible veterans and service members)
Jumbo loans (for higher-priced properties)
Competitive rates from multiple lenders

Lower your rate or access equity:

Rate-and-term refinance to reduce your interest rate
Cash-out refinance to access home equity
Streamline refinance options (FHA/VA)
Debt consolidation through refinancing

Unique situations require specialized solutions:

Self-employed borrower programs
Investment property financing
Second home mortgages
Bank statement loans
Non-QM options for non-traditional borrowers

Why Work With a Mortgage Broker?

As an independent mortgage broker, I work for YOU, not a single lender:

Multiple Lender Options: I shop your loan across many lenders to find the best fit
Personalized Service: You work directly with me, not a call center
Local Expertise: I understand the markets in Nevada and surrounding states
Coordination with Retirement Planning: I can help you see how your mortgage fits into your overall financial picture
Reverse Mortgage Expertise: Unique knowledge for clients 62+ considering reverse mortgages

Wooden blocks spelling STAY HOME are arranged on a table, with blurred miniature wooden houses in the background. The scene conveys a cozy atmosphere, perfect for learning about mortgage services or exploring retirement income strategies.

Mortgage services provided through Five Star Mortgage (NMLS #1756744). Equal Housing Lender. Cindy Birkland NMLS #2106177.

Whether you’re buying, refinancing, or exploring your options, I’m here to help.

Discuss Mortgage Options