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
How to Lower my Mortgage Payment?
How to Lower my Mortgage Payment?
If your mortgage payment is putting a dent on your budget, this is the best time to consider your options in lowering your monthly mortgage payment. There are several ways to lower your monthly payments and below are some of the viable options you can consider.
Mortgage Refinancing
Refinancing your mortgage is one of the direct options you have to lower your mortgage payment. However, it is important to determine whether you should refinance or not based on the following factors: the age of your loan, and the difference of your current with the new interest rate.
The amortization of your home loan is mostly paid to cover the interest during the start of the loan term and the principal near the end of the term. Because of this, the interest rate is most essential during the start of your loan term. The interest rate has less of an effect as you near the end of the term when most of your payments are predominantly for the principal. The bottom line here is that the newer the mortgage is, the better for you to consider refinancing.
But you need to remember that once you decide to refinance your current mortgage, your amortization will return to square one. This would also cost several thousand dollars in closing expenses so a small difference with your current and new interest rate may not be justified if it is only about 0.25%. To make sure you are on the advantage, you may contact your local mortgage broker to see if it’s worth to refinance or just look for other option.
Longer Loan Term
If you are feeling the effects of huge monthly amortization that comes with your 15-year or 20-year mortgage terms, you may opt to extend it into a traditional 30-year term to reduce your monthly payment. However, your interest rate will definitely increase but you can still choose to make extra payments on your mortgage just like with your 15-to-20-year loan term. These additional payments will help you complete your loan repayment faster without compelling you to make hefty payments.
There are lots of financial relief programs you can avail to lower your monthly payments on your mortgage. However, every option you have has its own pros and cons and it is best to really evaluate each one based on your current financial condition. Contact your local broker now and learn of other options you have to lower your mortgage payment.
Get started today
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