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  • Can I purchase a home with it?
    The All In One Loan can be utilized to purchase or refinance a primary or secondary vacation home, as well as investment properties.
  • How can I get started?
    If you are not already working with an All In One Loan Certified Mortgage Professional, complete the Contact Us form (Link above) and our team will connect you with one.
  • Which banks will service my account?
    We have been partnered with specific bank for many years that provide the All In One Loan account features and service the account. Together, we manage each customer's needs to help ensure program success. Check with us for more details.
  • How much can I borrow?
    The maximum loan amount is $2 Million; however, exceptions may be made when loan-to-value levels are low.
  • What happens when I make a deposit into the checking account?
    Deposits are swept nightly to the HELOC-side of the account and applied to loan principal. This makes higher use of idle money in order to save monthly interest expense on the mortgage, even prior to being spent.
  • Can it be applied to free-and-clear properties?
    Generally, no. However, if cash is needed to fund a near-term financial objective, then yes, up to the cash-out limitations.
  • How can I access my money to pay bills?
    Deposited cash and home equity dollars become one and remain available for use 24/7 over the 30-year term of the HELOC. Money can be accessed through the ATM-VISA cards, by writing checks or paying bills and transferring funds online through the All In One Loan bank portal and your mobile device.
  • Can I take cash out at closing?
    Cash can be disbursed at closing to help fund near-term financial goals up to 80% of the value of the home to $1 Million, 75% to $1.5 Million and 70% to $2 Million. For investment properties, there is a maximum amount limit. Check with your Loan Officer for details.
  • What are the terms of the HELOC?
    The All In One Loan is a 30-year home equity line of credit with an integrated sweep-checking account. The credit limit is established in underwriting and is based on borrower qualifying characteristics. The limit remains unchanged for the first ten years then steps-down each month by 1/240th for the remaining 20 years until it reaches $0.
  • How fast can I pay off my loan?
    It is up to you! There is no amortized payment schedule to hold you back. All In One Loan clients eliminate upwards of 10% of their principal balance annually or more and payoff in half the time or less compared to a traditional mortgage. The key is your banking behavior. If you spend less than you earn each month, chances are you make a great candidate. Use our Interactive Simulator to find out.
  • What resources are available to learn more?
    Attend one of our weekly webinars for borrowers and mortgage and real estate professionals as well as fiduciaries. Register by clicking on the webinars link.
  • Cindy R. – Boulder City, NV, Conventional purchase loan
    Meredith came highly recommended to us. She spent a good amount of time explaining our options to purchase the home we had been renting for 3 years, and within hours of completing an application we received pre-approval. I had lots of questions and Meredith continually responded quickly, which helped reduce my stress a made me feel confident throughout the transaction. In less than 30 days we owned the home we had fallen in love with. I highly recommend her and would use her again as our broker.
  • Mike B. – Las Vegas, NV, Debt consolidation refinance
    My experience with Meredith was seamless and straightforward. She helped me with every aspect of my situation and found the best solution for my financial goals. She prepared a lot of scenarios and I felt confident in choosing my final loan. I highly recommend Meredith and she will forever be my mortgage broker.
  • Zoe C. – Sun Valley, NV, VA purchase loan
    Meredith will forever be a part of our new home. Working with Meredith allowed me to save enough money on closing costs to buy the furniture we have now. Thank you so much from the bottom of my heart.
  • Ashley N. – Reno, NV, VA purchase loan
    What an excellent experience! Meredith was a cut above the rest. I have never worked with a mortgage broker before, and I was truly shocked at the better interest rates and multiple options in lenders that I was able to select from. The document gathering process was painless, the appraisal was fast, and the closing was smooth. Meredith provides fast and responsive customer service and knows the Reno and Tahoe markets exceptionally well.
  • Nichole M. – Dayton, NV, VA purchase loan and cash-out refinance
    Meredith is amazing! I have worked with her on two refinances and one purchase loan and always have a wonderful experience. She’s very thorough and explains everything clearly. She’s the only one I trust to do any type of home loan with!
  • Sonja J. – delayed financing for purchase
    Meredith is extremely professional, responsive, and thorough. If I have mortgage needs in the future, she would be the only one I would call.
  • Maria G. – Dayton, NV, rate and term refinance
    Meredith Herr is totally outstanding. She answers her phone anytime we call and got our loan done for us in record time – less than 30 days. I would recommend Meredith and Lake Tahoe Mortgage to everyone we know.
  • Mark S. – Reno, NV, Reverse mortage
    Tom Selleck wasn't available to discuss a reverse mortgage with us so we decided to talk to Steve Bennett, instead. In all seriousness, I was totally adverse to even considering a reverse mortgage given the many years of bad press. However, after giving Steve a chance to explain the features and benefits of the product, it became clear it was exactly right for us. Steve took his time in his no-pressure capacity to explain every conceivable detail to us. At the end of the day here's the deal: We NEVER have to make another mtg payment....EVER! We are guaranteed to own and stay in our home as long as we choose, providing we pay our property taxes and insurance as well as maintain the home. While the loan balance will accrue at roughly 3% annually the home is projected to increase at 4%. If we decide to sell our home in 10-15 years we will still have considerable equity to look forward to. I could go on & on about the benefits from our perspective......However, give Steve a call. He can tailor those same benefits to your situation and I can promise it will be a rewarding experience.
  • Robert K. – Lincoln, CA, VA purchase loan
    Steve at Lake Tahoe Mortgage made the entire mortgage process seamless and educational. Steve was always available to answer questions and provide his professional insight. His guidance through the process truly adds value to working with Lake Tahoe Mortgage. I would highly recommend working with Steve Bennett at Lake Tahoe Mortgage.
  • Tom M. – Incline Village, NV, Specialty non-QM loan
    I was lucky to find Steve four years ago when purchasing our family's home in Incline Village. Steve's knowledge of the financial world in general in addition to his seemingly comprehensive knowledge of the mortgage business has made him not just a mortgage broker for me, but a trusted advisor as well. He has a knack for finding the right lender with the perfect product for those of us who do not fit the traditional mold. He proved this again for me this year by helping me refinance even after the financial hiccups that came with the pandemic. I plan to work with him again, and would recommend his service to absolutely everyone.
  • John G. – Gardnerville, NV, Conventional purchase and refinance loans
    This was a refinance, I also used LTM for my original purchase. LTM was suggested to me by my realtor and I was so pleased with their initial services I immediately called Steve about the refinance. Steve and I have been discussing this refinance for a few months now and based on his recommendations I waited and went from a 4.5 % down to 2.75 %. Steve and Meredith both worked closely with me to insure it was a smooth transition. They are very professional, timely and most of all very knowledgeable. I felt like they treated me as family. I was appraised every step of the way and all my questions and/or concerns were immediately addressed. They are driven to provide excellent service with no pressure. Couldn’t be more pleased, I have even referred LTM to a friend who is purchasing a home. I highly recommend won’t regret it!
  • Steve L.  – Reno, NV, Purchase Jumbo loan
    I can’t endorse Steve  / LT Mortgage enough - as a small business owner qualifying for a mortgage can get complicated. Steve has provided invaluable in-depth counsel and on how to successfully position ourselves to access great products. We’ve worked on 3 transactions now - I can’t imagine using anyone else.
  • Noah W. – Tahoe City, CA, Convention purchase loan
    Steve was always quick to respond and update me about new developments in the loan process.  He did a great job of customizing the experience to my needs as well.  Answered all my questions with clear, thorough responses, and as a first time home buyer, I had a lot of questions.  I cannot recommend this team highly enough!
  • John V. – Fernley, NV, Conventional refinance
    Amazing!!! Steve never misses a call. Answers all questions. If he doesn't know, then he finds out the answer same day! I will never use anyone else other than Steve!!! Thank you for all you have done!
  • How do rates move?
    Rates can move more than daily, but on a typical day rates do not move very much. This is why it is important to work with one of our experienced Loan Originators at Lake Tahoe Mortgage to assist you in making the determination of when to lock your loan. Things that will affect interest rates moving are strong swings in the bond or stock market and reactions to news headlines and indications about the economic position in not only the U.S. market but the world markets as well.
  • Where will I be closing, how much do I bring to close and can I bring a personal check?
    The contract will specify where you will be closing. 3-5 days prior to closing Fairway will contact you regarding how much to bring and to bring it in the form of a cashiers check made payable to the title company. You can have a check of up to $1000.00 for any difference in the amount you are told and the actual amount needed.
  • What is meant when locking my interest rate and when do I lock?
    It means that a commitment has been made between my company and the investor on your behalf regarding the interest rate in your mortgage loan. Your loan officer watches the market on a daily basis to make sure that when we lock your interest rate, it is in the best interest for you and your loan.
  • What are Closing Costs?
    Closing costs are those costs that include the loan origination fee, discount points, appraisal costs, and any other charges associated with the legal transfer of property. Typically, these costs will range between 2% and 3% of the mortgage amount.
  • How will I be updated on my loan?
    Your Loan Officer will be in contact you during the completion of your application and we will contact you after the application has been submitted to the lender of choice. Once your loan is conditionally approved and the appraisal is in, we will contact you regarding any pertinent follow up information. Finally you will be contacted 7-10 days prior to closing for confirmation of details and 3-5 days before closing to go over final figures.
  • What is the TOTAL OF PAYMENTS?
    This figure indicates the total amount you will have paid, including principal, interest, prepaid finance charges, and mortgage insurance if you make the minimum required payments for the entire term of the loan. This figure is ESTIMATED on the Disclosure Statement and is estimated in any adjustable rate transaction.
  • How long do I have to rescind? When does the right of rescission start?
    The right of rescission refers to the right of a consumer to cancel certain types of loans. If you are buying a home with a mortgage, you do not have a right to cancel the loan once the closing documents are signed. If you are refinancing a mortgage, you have until midnight of the third business day after the transaction to rescind (cancel) the mortgage contract. The three-day clock does not start until all three of the following events have happened: You sign the credit contract (usually known as the Promissory Note) You receive a Truth in Lending disclosure (in most circumstances, this will be your Closing Disclosure form) You receive two copies of a notice explaining your right to rescind The first business day after the last of these events counts as day one. For rescission purposes, business days include Saturdays, but not Sundays or legal public holidays. For example, if the last of the above three events occurs on a Friday, and there are no legal public holidays in between, then you have until midnight on the following Tuesday to rescind. You may use the form provided to you by the lender or write a letter. Whatever form of written notice you use, make sure it is mailed or delivered before midnight of the third business day. Keep a copy and any evidence that it was mailed or delivered on time.
  • What is the FINANCE CHARGE?
    The Finance Charge is the cost of credit. It is the total amount of interest calculated at the interest rate over the life of the loan, plus prepaid finance charges and the total amount of mortgage insurance charged over the life of the loan. This figure is ESTIMATED on the Disclosure Statement and is estimated in any adjustable rate transaction.
  • Is it okay to use on-line bank statements?
    Only if the statements have the bank logo, name and correctly reflect your account number.
  • Am I committed to you because I have signed or reviewed my loan application?
    No. We would love for you to do business with Lake Tahoe Mortgage and if there are any problems, please consult with your loan officer or our Broker - Steve Bennett. The only commitment you have is when you have completed the signatures on the loan closing documentation and the loan funds have been disbursed.
  • What is the difference between a pre-qualification and a pre-approval?
    A pre-qualification shows you what you can afford and a pre-approval is confirming with bank statements, pay stubs and credit reports what you have provided verbally for the sake of achieving a full loan approval.
  • What is the ANNUAL PERCENTAGE RATE different from the interest rate for which I applied? Why is the AMOUNT FINANCED different?
    The Amount Financed is lower than the amount you applied for because it represents a NET figure. If someone applied for a mortgage of $50,000 and their prepaid finance charges total $2,000, the amount financed would be shown as $48,000, or $50,000 minus $2,000. The A.P.R. is computed from this LOWER figure, based on what your proposed payments would be. In a $50,000 loan with $2,000 in prepaid finance charges, and an interest rate of 14%, the payments would be $592.44 (principal and interest) on a loan with a thirty year loan term. Since the A.P.R. is based on the NET amount financed, rather than on the actual mortgage amount, and since the payment amount remains the same, the A.P.R. is higher than the interest rate. It would be 14.62%. If this applicants loan were approved he would still receive a $50,000 loan for thirty years with monthly payments @ 14% or $592.44
    The Annual Percentage Rate, or A.P.R., is the cost of your credit expressed in terms of an annual rate. Because you may be paying "points" and other closing costs, the A.P.R. can be compared to other loans for which you may have applied and give you a fair method of comparing price.
  • Why must I sign the Disclosure Statement?
    Lenders are required by law to provide the information on this statement to you in a timely manner. Your signature merely indicates that you have received this information, and does not obligate either you or the lender in any way.
  • What is Private Mortgage Insurance (PMI)?
    Private mortgage insurance is required on conventional loans and may allow you to purchase a home for as little as 5% down. This coverage requires a monthly insurance fee to be paid. PMI is only required if your loan-to-value is above 80%.
  • How will my payments be affected by the Disclosure Statement?
    The Disclosure Statement only discloses your estimated payments. The interest rate determines what your monthly principal and interest payment will be.
  • What are my origination and discount points?
    These are percentages of the loan amount that you and your loan officer discuss regarding your rate and total cost of originating your mortgage loan. Final numbers are disclosed clearly on the Loan Estimate.
  • Do you sell my loans?
    That depends on the wholesale lender selected for your loan. Some lenders keep and service the loan. Others may transfer the loan to another company for servicing your monthly payments and escrow impound account activities after the loan closes. Lake Tahoe Mortgage will provide all the information about your lender/investor.
  • What is a target rate?
    Your target rate is the rate we will discuss to be the original optimal rate of interest for your mortgage.
  • What is the AMOUNT FINANCED?
    The amount financed is the mortgage amount applied for MINUS prepaid finance charges and any required deposit balance. Prepaid finance charges include items such as loan origination fees, commitment or replacement fee (points), adjusted interest, and initial mortgage insurance premium. The Amount Financed represents a NET figure used to allow you to accurately assess the amount of credit actually provided.
  • Does this mean I will get a lower mortgage than I applied for?
    No, if your loan is approved for the amount you applied for, that is how much will be credited toward your home purchase or refinance at settlement.
  • My statement says that if I pay the loan off early, I will not be entitled to a refund of part of the finance charge. What does this mean?"
    This means that you will be charged interest for the period of time in which you used the money loaned to you. Your PREPAID finance charges are not refundable. Neither is any interest which has already been paid. If you pay the loan off early, you should not have to pay the full amount of the "finance charges" shown on the disclosure. This charge represents an estimate of the full amount the loan would cost you if the minimum required payments were made each month through the life of the loan.
  • What is the NEW LOAN ESTIMATE (LE)?
    The New Loan Estimate (LE) replaces the Good Faith Estimate (GFE) and the initial Truth In Lending document (TIL). The LE provides borrowers with clearer information on loan terms and estimates of loan and closing costs. This will facilitate comparison shopping. It will be provided to all borrowers within 3 business days, after they have submitted their loan applications.
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If you would like to learn more about any loan, please call us

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