Our approach
Your journey through mortgages should be as smooth as carving down the side of a mountain on some fresh powder. We totally get that, so we combined our 20+ years of experience and passion to bring you Mortgage Ride.
We realized we had an opportunity to empower people with knowledge and assist them in avoiding pitfalls along the way. No one wants their bike or board stumbling off balance along the path, right!?
That’s why we simply say, RIDE WITH US! Allow us to make your experience fun and enjoyable as you expand your portfolio. Mortgage Ride is committed to providing our clients a more relaxed approach through their mortgage needs by providing the very best rates, fees, and personalized service.
Curious about your home’s worth? We have a quick, easy solution to getting more info right back at cha!
Punch in your email with our buddies at MYHOME!
COME RIDE WITH US!
Mortgage Ride is committed to delivering the best ride through your mortgage experience by providing the very best fees, service and knowledge to assist in reaching your goals. Whether its slopes, ramps, surf, or mortgages, we just really like to ride. Come Ride with us!
In-person and
remote options
Our office is conveniently located in Las Vegas. Can’t
make it into the office? No worries – we’ve got you
covered with teletherapy.
Curious about your home’s worth? We have a quick, easy solution to getting more info right back at cha!
Punch in your email with our buddies at MYHOME!
COME RIDE WITH US!
Mortgage Ride is committed to delivering the best ride through your mortgage experience by providing the very best fees, service and knowledge to assist in reaching your goals. Whether its slopes, ramps, surf, or mortgages, we just really like to ride. Come Ride with us!
In-person and
remote options
Our office is conveniently located in Las Vegas. Can’t
make it into the office? No worries – we’ve got you
covered with teletherapy.
FROM THE RIDE SHOP
GAS IT
TEE
FROM THE RIDE SHOP
GAS IT
TEE
Our products
We offer more products and opportunities beyond what you see here on our digital home base. You know how it is, when you start rolling downhill, you have to be ready to ride! As a mortgage banker/broker, we are able to offer wholesale pricing and rates. With all the options out there, let us guide you to great results. That mountain bike trail is a lot more fun when someone knows the way down to the river.
FHA
Qualify with a lower credit score, as low as a 3.5% down payment, qualify even with past bankruptcies, or refiannce your existing FHA loan with FHA Streamline to have a lower interest payment.
VA
Finance up to 100% of the loan and have less closing costs as a qualified veteran, service member, or spouse.
USDA
No down payment required, 30-year fixed rate, and no cash reserves for closing cost. Elite pricing starting at 640+ FICO.
Jumbo
Jumbo loans range from $548,251 and above with a low interest rate.
Our products
We offer more products and opportunities beyond what you see here on our digital home base. You know how it is, when you start rolling downhill, you have to be ready to ride! As a mortgage banker/broker, we are able to offer wholesale pricing and rates. With all the options out there, let us guide you to great results. That mountain bike trail is a lot more fun when someone knows the way down to the river.
FHA
Qualify with a lower credit score, as low as a 3.5% down payment, qualify even with past bankruptcies, or refiannce your existing FHA loan with FHA Streamline to have a lower interest payment.
FHA
Finance up to 100% of the loanand have less closing costs as a qualified veteran, service member, or spouse.
USDA
No down payment required, 30-year fixed rate, and no cash reserves for closing cost. Elite pricing starting at 640+ FICO.
Jumbo
Jumbo loans range from $548,251 and above
with a low interest rate.
As Chief Riding Officer for Mortgage Ride, I am dedicated to providing financial solutions for professionals, their clients, individuals, and families to help them make informed mortgage decisions that integrate with their personal financial plans.”
— Erik Feldman (Chief Riding Officer)
What People Are Saying
“Erik & Team were very helpful every step of the way. They were knowledgeable and always happy to explain any questions I had. They made this stressful process very manageable. Thanks for all your help! Would definitely recommend!!.”
— James V.
“Mortgage Ride has helped me with buyers as a Realtor and as a buyer myself. We just closed on my personal property and it was completely stress free from start to finish. If you don’t want a headache and want to be able to sleep at night, go on a Mortgage Ride!”
— Connor P.
“The team is very organized and on top of communications. Really appreciate all their help and would definitely use them again! Closed on time with no issues.”
— Lori H.
“Erik and his team are awesome!! They are like family and make the process so smooth. They have lots of patience and are very helpful in making sure you are able to get the best rate for you loan. I would definitely recommend them and will use them again and again!!”
— Keith B.
We strive to make the home mortgage journey an exceptional experience for all clients. We hope you found our service and knowledge to have been key in helping you on this Ride. If you did, would you kindly do us a favor, and share your experience to the public review site listed below? The gesture would mean the world to us. 🙏
What People Are Saying
“Erik & Team were very helpful every step of the way. They were knowledgeable and always happy to explain any questions I had. They made this stressful process very manageable. Thanks for all your help! Would definitely recommend!!.”
-June2022
— James V.
“Mortgage Ride has helped me with buyers as a Realtor and as a buyer myself. We just closed on my personal property and it was completely stress free from start to finish. If you don’t want a headache and want to be able to sleep at night, go on a Mortgage Ride!”
— Connor P.
“The team is very organized and on top of communications. Really appreciate all their help and would definitely use them again! Closed on time with no issues.”
— Lori H.
“Erik and his team are awesome!! They are like family and make the process so smooth. They have lots of patience and are very helpful in making sure you are able to get the best rate for you loan. I would definitely recommend them and will use them again and again!!”
— Keith B.
We strive to make the home mortgage journey an exceptional experience for all clients. We hope you found our service and knowledge to have been key in helping you on this Ride. If you did, would you kindly do us a favor, and share your experience to the public review site listed below? The gesture would mean the world to us. 🙏
THe RIDE blog
What Is A VA Streamline?
What Is A VA Streamline?
The VA’s Streamline Refinance program helps veterans reduce their mortgage rate and monthly payments. This is also known as Interest Rate Reduction Refinancing Loan (IRRRL) which removes a lot of the hurdles that prevent applicants from availing other types of refinances. But on the other hand, this type of loan is only available if the applicant has already utilized his or her eligibility for a VA loan on the property or home they plan to refinance. This is also perhaps the most ideal option if you simply want to refinance your current loan and avail of a much lower interest rate.
VA Streamline Basics
The good thing about VA streamline refinance is there are no assumptions allowed. Apart from refinancing a current VA ARM or guaranteed adjustable rate mortgage to a fixed rate, the result of the refinancing must have a lower interest rate. However, since this is a VA to VA loan, the proceeds of an IRRRL can only be used to pay an existing VA loan and not the other types of loans you may currently have. If a second mortgage is present, you need to agree to subsidize that lien which will make your VA loan your first mortgage.
The VA has a funding fee of ½ of 1% of the total loan amount. You have the option to pay it in cash or included it in your loan. There is no need to use the Certificate of Eligibility (CoE) for the refinancing because the lender can use the e-mail confirmation procedure of the VA for interest rate reduction refinance instead of a CoE.
Advantages of VA Streamline
VA Streamline offers a lot of advantages considering the fact that this can be used to convert an adjustable rate mortgage (ARM) to a fixed rate mortgage. Other advantages include:
Refinancing your existing VA loan and avail of a much lower interest rate.
VA Streamline can be done with few or no out-of-pocket costs by integrating all costs in the new loan, or by constructing the new loan at an interest rate high enough to allow you to afford the costs.
As long as the existing mortgage has been paid as agreed for the last twelve months and with updated payment at the time of refinancing, this loan does not need for an appraisal, a credit report, income or employment verifications, or termite report.
Get started today
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