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Lending Team We will walk you through the lending process

At PRW Lending, our lending team will walk you through the lending process allowing you to feel confident and well informed through every step. With years of combined experience, our team works together to create a loan package that best fits your needs and situation. They will always be professional but not distant. When you choose the PRW Lending team, we make you family.

Every client has different financial situations and objectives. We put our customers first and create a loan that fits your situation and lifestyle.
We will help you get through the process as quickly as possible. Our team can get you from the consultation to approval fast.
Here at PRW Lending, we care about
our clients. We believe service is the most important part of our business.
Once we get through the approval process we will get to the tables signing the closing papers so you can get moving.
Real Estate Team Helping you through every step of buying a new home

The real estate team at PRW Lending has years of expertise and personal experience that will help you through every step of buying your new home. We are not a micromanaged corporation. We are a group of individuals who have chosen to put family first, and that includes yours.

Listing | Buyer Management | Marketing | Bank Foreclosures | Short Sales

Whether you are buying or selling a home or looking to buy or sell acreage, our real estate specialists can ensure you achieve your real estate needs. Our team of talented professionals have the experience and expertise to handle any of your real estate needs. It is our goal to offer the very best in service so that you can have the very best outcome for your situation.

Our Mortgage Process Whether you are looking to purchase your dream home or are wanting to refinance your home to achieve financial goals, our team at PRW Lending will make the process clear and simple. The purchase of a home is likely the largest and most important purchase you will make in your lifetime. This can feel overwhelming and stressful. Likewise, a refinance can feel just as arduous. This is why our professionals will walk you through this process so that your experience will be a positive one.

Consultation

We will set up an initial meeting to discuss your financial needs and options, so that we can determine which loan program best fits your situation.

Application

We will set up an initial meeting to discuss your financial needs and options, so that we can determine which loan program best fits your situation.

Appraisal

We will set up an initial meeting to discuss your financial needs and options, so that we can determine which loan program best fits your situation.

Review

We will set up an initial meeting to discuss your financial needs and options, so that we can determine which loan program best fits your situation.

Approval

We will set up an initial meeting to discuss your financial needs and options, so that we can determine which loan program best fits your situation.

Closing

We will set up an initial meeting to discuss your financial needs and options, so that we can determine which loan program best fits your situation.

Our Story - PRW Lending

PRW Lending is not just a company, and you are not just a client. We are a family. This is how it has always been because we were born from the personal needs of our family, and have chosen to remember that through every step of this journey.

After the big market crash of 2008, we found ourselves to be a young couple with a daughter, bills to pay, and no jobs. We had to put our skills together and create the future we wanted because it simply wasn’t out there for the taking. As a former car salesman and a former mortgage operations professional, our fields of expertise were not in the best place to find employment. That is how PRW Lending began.

Going back a bit further, nearly twenty years ago, our founder, Lisa, answered a newspaper ad to work as a receptionist at a small mortgage company. She had no idea she was beginning a lifelong career in the industry! She had no knowledge of buying and lending. She began with buying a copy of The Mortgage Handbook for Dummies, and left with a B.A. in Business and as the Director of Operations. The next company she worked with saw her natural talent and hired her on as Vice-President of Operations. With her extensive knowledge base in both operations and sales, the Vice-President of Sales consulted with her on scenarios he was unable to resolve.

This all came to an end though, as the world crashed back to square one. Using their talents, with some inner motivation and drive for knowledge, Lisa and her husband, Darcey, put the last of their savings together to start a company that would allow them to put family first. PRW Lending is about helping others create the lives they want. With every dream we bring about for you, a little more of our dream happens too!

PRW Lending also understands hard work. Lisa and Darcey put their faith in their company, but the start was slow. Their first month couldn’t even cover the expenses, but they knew that if you believe in what you are selling, listen to your client and meet their needs with honesty and integrity, you’ll find retention and success. So that became the foundation for PRW Lending. This has allowed the focus of family to extend to our employees.

PRW Lending is no longer a company made of two. We are a team of in-house and independent staff, who are all focused on supporting your dreams, while building our own. We want to push people to reach their full potential and surpass financial and professional milestones along the way.

We will always remain a company where our relationships will be what matter most. We will never treat you like a case file or a number in the system. We have in-house processors and assistants, an intimate team of real estate professionals and a reliable team of loan officers who all work with us, not for us. We understand success is circular. Your exceptional experience is what creates our success!

Get a mortgage quote quote now, you can trust us. Applying for your mortgage is quick and easy. No rocket science is needed here. Simply enter your information, and we will get back to you as soon as possible.

Expert Lending Advice - Serving Your Unique Needs Our team of licensed agents is experienced in creating personalized quotes for both purchasing, and refinancing.

Nicholas Fernandez

Lisa Giles BROKER/OWNER

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Isabelle Harvey

Lisa Giles BROKER/OWNER

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Kyle Hamilton

Lisa Giles BROKER/OWNER

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Johnathan Smith

Lisa Giles BROKER/OWNER

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Our Partners:

Partner 1
Partner 2
Partner 3
Partner 4

Frequently Asked Insurance Questions If you would like to discuss your mortgage questions with us directly, give us a call at: 951-430-3690

When should I get approved when looking to buy a home? NOW!

You will have a much stronger offer walking in with a full approval. This will make you, as a candidate, and your offer more desirable for seller consideration.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

A fixed rate loan is a loan in which the interest rate is set at a certain percent that does not change over the life of the loan. An adjustable rate mortgage (ARM) has a rate that is fixed for a set period of time, usually years, then after the set period ends the rate will go up or down based on a market index.

Which type of loan should I get?

When deciding to choose which route to go, consider factors such as how long you plan to stay in the home or if you plan on selling the home relatively soon. ARM loans generally are lower than fixed-rate loans, which could benefit you if you plan on selling. However, if you plan on staying in the home for the life of the loan, a fixed-rate mortgage might be best. We can help you determine which loan type best fits your situation.

What determines my interest rate?

There are several factors that go into what interest rate you will be offered. Rates are determined by a combination of the current market and your personal qualifications. The value of the home, your credit history, loan amount, and other factors influence your interest rate.

What factors determine if I qualify for approval?

There are three factors to consider when trying to qualify for a home loan. First, your credit history and your FICO score will be factored. Second, the value of the property will be assessed. Finally, your debt-income ratio will be evaluated. These are the three main factors considered when getting approved for a home loan.

How quickly do I get the money from the loan?

For a home purchase, the funds will be available on the day of your closing. For a refinance, due to federal regulations, it takes a few days for the funds to be available.