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Lori Johnson
VP of Mortgage Lending

I have lived in Mesquite, Nevada since May of 1995 and I love Mesquite and Southern Utah all that these areas have to offer. The beauty of Southern Nevada and Utah are just breath taking and inspiring. I have been in the mortgage industry since 1991, starting out working for a credit bureau company for six months and then transitioning into the mortgage side of the business. I enjoy what I do and all the new people I get to meet. I give 110% of my energy and enthusiasm to what is most important to you. I believe in having my borrowers educated about home financing and being able to offer you all the options, and walking you through the process and doing it together. I am committed to maintaining an exceptionally high quality of service that will continue even after your transaction is complete; and I dedicate my time to building strong, lasting, life-long relationships. I want you to feel so incredibly satisfied with my services that you will want to continue referring your friends, family, neighbors and co-workers...because you truly believe that they will benefit. Referrals are the foundation of my business and my intention is to continue to be...Your Personal Mortgage Professional ...for life. Feel Free to contact me anytime on my cell phone 702-296-0937, my office 702-522-6743 or my home office 702-346-1273. I look forward to helping you with the financing of your home and building new and lasting friendships. I am married and I enjoy hiking, running (half and full marathons), golfing and all kinds of other outdoor activities. I also love helping and giving back to my community in any way I can. I am also a volunteer EMT on our City Fire Department in Mesquite and have been with them since 1996. My greatest reward is rendering service to others and my family. * 97% Conventional FHA * VA Loans Refinance * Manufactured Homes * Investment Properties * USDA Construction loans

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

VA

If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.