Sales Manager NMLS #1272407
Direct: 702-466-6430
sarah.krasner@missionloans.com
Sarah Krasner
Sarah Krasner
How our mission began
Over two decades ago, our leaders started their journey in the mortgage industry and discovered gaps in the traditional mortgage experience. They noted that customers weren’t getting the best care possible because of unclear and outdated processes that interfered with transparency and communication.
As they navigated varying cycles typical to the mortgage industry, worked for large brands, and gained valuable experience through events like the 2008 financial crisis, they grew their reputation and found that customer service is what resonated with customers the most.
Years later, they came together to establish Mission Loans — the industry’s missing piece. Mission Loans is on a mission to master the customer experience of the mortgage process. Our goal is to be more customer-centric than any mortgage company in the country.
Branch address
8565 S. Eastern Ave., Ste. 150, Ofc 176
Las Vegas, NV 89123 | Branch NMLS# 1805048
Mortgage solutions as unique as you
Just as one shoe size doesn’t fit everyone, one loan type doesn’t fit everyone’s unique financial circumstances. We take the time to thoroughly discuss your needs, goals, and financial situation to help identify a loan program to best fits your needs.
Navigating the home loan process can be scary foreign territory, but thankfully, it’s easier when there are plenty of options to choose from under the guidance of an experienced team. Take a look at all the options we offer below and see how possible — and affordable — home loan financing can be.
Conventional loans
A conventional loan is one that is not insured or guaranteed by the federal government. These loans are often more common among customers who have purchased a house before and are in a position to meet a narrower set of qualification requirements.
Conventional loan lending guidelines require the borrower to have debt-to-income ratios and credit scores within a specified range, and the ability to show stable income.
Those who meet these qualifications and want to opt out of private mortgage insurance (PMI) can do so by putting 20% down on the home at closing, which lowers their monthly payments.
Best for people with:
- Steady income
- Strong credit
- Debt-to-income (DTI) less than 43%
Benefits:
- Potentially lower rates and monthly payments
- Can avoid the cost of private mortgage insurance (PMI) with 20% down payment
- Can be fixed or adjustable-rate
Qualifications:
- Credit score of 620+
- Minimum 3% down payment
- Debt-to-income (DTI) less than 43%
FHA loans
The government understands that everyone needs a place to live but that not everyone can meet the standards of a conventional loan. So, the Federal Housing Administration (FHA) insures home loans to expand homeownership opportunities to more borrowers.
These loans require the borrower to occupy the home as their primary residence. The loan amounts are capped, and the borrower is required to purchase mortgage insurance in case the home falls into foreclosure. Nonetheless, FHA loans are a great option for people who never thought they would be able to otherwise qualify for a loan.
Best for people with:
- Limited savings
- A lower credit score
- Higher debt
Benefits:
- Less restrictive qualification requirements
- Low down payment options
Qualifications:
- 3.5% down payment for 580+ credit score
- 10% down payment for 500–579 credit score
- Proof of income and a steady paycheck
VA loans
The VA loan program is made available by the government exclusively to veterans as a way of thanking military members and their families for their service to the country. These loans make it easier for retired and active-duty members to buy a house or refinance a current mortgage loan, as VA loans offer less restrictive qualification guidelines, low down payment minimums, minimal closing costs, and do not have loan amount caps nor require private mortgage insurance (PMI).
Best for people with:
- Veteran status
- Lower credit score
- Minimal savings
Benefits:
- Less restrictive qualification requirements
- Low down payment options
- No PMI requirement
- Low closing costs
- Multiple types available
Qualifications:
- Be active or retired military
- Credit score in low-to-mid 600s
- Debt-to-Income (DTI) of 41% or less
How our mission began
Over two decades ago, our leaders started their journey in the mortgage industry and discovered gaps in the traditional mortgage experience. They noted that customers weren’t getting the best care possible because of unclear and outdated processes that interfered with transparency and communication.
As they navigated varying cycles typical to the mortgage industry, worked for large brands, and gained valuable experience through events like the 2008 financial crisis, they grew their reputation and found that customer service is what resonated with customers the most.
Years later, they came together to establish Mission Loans — the industry’s missing piece. Mission Loans is on a mission to master the customer experience of the mortgage process. Our goal is to be more customer-centric than any mortgage company in the country.
Company Values
We prioritize customers
Mission Loans is customer-centric, and that sets us apart from our competitors. This means everything we do is done with the customer’s best interest in mind. We assess your needs, identify the right product for you, and close quickly. We strive to meet your financing needs without the pressure of the fluff.
We have big ambitions.
We don’t conform to antiquated norms in the loan process — we think bigger than that, and that’s what sets us apart. Our innovative, creative minds, ambitious spirits, and top-notch customer service are helping us climb the ladder to becoming the top mortgage company in the nation.
We leverage technology to make life easier.
The world is using technology for practically every aspect of life, so why shouldn’t it apply to the mortgage process as well? Many mortgage companies struggle to make use of all the technology available to them, but we use it to automate tedious manual processes so we can focus on what matters most — building a relationship with customers like you.
We get stuff done.
As a company, we play hard so we can work even harder. Our team of winners knows that failure is not an option when it comes to our customers. At Mission Loans, there’s no drama or half-baked efforts — only hustle to deliver the most legendary experience in the industry. We win every day in finding loans that suit the needs of each of our customers.
We infuse innovation into our processes.
Mission Loans isn’t satisfied with the status quo of the mortgage industry. It’s old, inefficient, and it doesn’t benefit the homebuyer. We’ve put our innovation caps on to come up with new ways to make the process simpler, less stressful, and easier to understand.
We care…really.
We hire customer-centric people, which translates to a deeply caring company culture of team members who want to make a positive impact for all. Homeownership and home loan financing are big steps, and we want to see you win. We take pride in our social partnerships and giving back to our communities so that when you’re winning your community is winning as well.
The Mission Accomplished
$10,000 Guarantee*
What is the process?
Pre-approval: Get pre-approved for a home within your budget.
Application: Finalize your application and submit your documents.
Closing: Now you are ready to close!
Discliamer
*Liquidated Damages for Delay in Funding:
The parties acknowledge that the seller’s damages from a funding delay are difficult to ascertain. If Buyer’s loan does not close within 30 days of receipt of a valid purchase and sales agreement or Closing Date listed in sales agreement, Lender shall pay Seller $10,000 as liquidated damages to compensate Seller for time-value and carrying costs associated with the delay. This amount is not consideration for any recommendation, endorsement, or referral of Lender or any settlement-service provider. Seller cannot require Buyer to use ML as their lender and Buyer is free to shop for other loan services.
Conditions:
- Program applies only to loans submitted directly to ML.
- Borrowers must have a fully underwritten Pre-Approval prior to signing the purchase and sales agreement. Program is only valid on the property identified in the purchase and sales agreement.
- This Program only applies to purchases of first lien, single family, owner occupied properties and must be AUS approved FHA or conventional loans.
- Not applicable on manual underwrites, VA, USDA, refinance, condos, down payment assistance programs, bond programs, new construction, renovation, broker or correspondent loans, jumbo loans, or unique properties.
- ML must receive a fully executed purchase and sale agreement with all pages, addendums, and required signatures within 3 days of application.
- All inspection and appraisal conditions must be satisfied within 10 days of closing date. ML is not liable for third party delays.
- Rate must be locked at least 10 days before closing date.
- If ML does not meet the terms of Guarantee, ML shall pay Seller $10,000. $10,000 payable upon written request from Seller. Only payable to Seller listed on the purchase and sales agreement. Seller is responsible for supplying ML with W-9 prior to payment. Seller is responsible for all taxes resulting from payment.
- ML’s liability for failure to close by Guarantee date is limited to $10,000, payable to Seller, if all Program guidelines are met. ML is not liable for consequential or other damages for any party to the transaction. There are no third party beneficiaries to the pre-approval or loan.
- This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Consumers must independently verify the accuracy and currency of the on-time closing guarantee terms and conditions. All of the above terms and conditions are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report.
- This program is not applicable in VA, HI, NY or TX.
The Closing Guarantee is void where:
- Changes are made to loan product or terms
- Changes in Buyer’s credit, employment, or income, or other material changes to Buyer occur.
- Closing is delayed due to Buyer, Seller, or any third party, including appraisal, inspection, title, escrow, or HOA related delays or delays caused by a government agency in delivering any item or approval necessary for closing.
- Buyer’s or Seller’s failure to respond to ML requests in a timely manner (within “3” business days of request) or failure to meet contract terms and requirements.
- Either Buyer or Seller terminate the purchase contract, extend the settlement date, or otherwise choose not to consummate the transaction for any reason whatsoever.
- Changes to the purchase and sales agreement or closing date that are not included in the contract.
- Loan documentation or application contains fraudulent information, omissions, or material misrepresentations.
- ML does not receive, at least five (5) days prior to the specified closing date in the fully executed purchase agreement, the appraised value of the real property identified in the purchase agreement does not equal or exceed the sales price identified in the purchase agreement, or any required repairs or other work identified in the appraisal is not complete.
- Force majure events, including any natural disaster or an extraordinary event or circumstance beyond the control of the parties occurs (including, among others,weather or catastrophic event, war, strike, riot, crime, or act of terrorism).
- Void where applicable law or investor requirements have a mandatory waiting period beyond the Guarantee period.
- Void where prohibited by applicable law or investor requirements.
ML reserves the right to amend, terminate, or withdraw any products, promotions, guarantees, and/or benefits at any time without notice. ©2025 Mission Loans, LLC – Corporate NMLS ID #210853 located at 18200 Von Karman, Suite 550 Irvine, CA 92612 . All rights reserved. For all licenses, visit https://missionloans.com/state-licensing or https://www.nmlsconsumeraccess.org/. This is an advertisement and does not constitute an offer to lend. Not all applicants will qualify for all loan products offered. All loan programs, terms and interest rates are subject to change and/or discontinuance without advance notice.
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In accordance with Section 326 of the USA Patriot Act of 2001, Mission Loans NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit.
