When should you start the process?
Obtaining a mortgage can be stressful. Whether it’s a purchase loan or a refinance, it is never too early to start the process. If you are considering buying a home in the future it is worth meeting with a lender. It doesn't cost you anything and the information you will gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together showing where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
To make the process enjoyable, we try to do as much of the loan “upfront” as possible. This helps us identify any potential obstacles before you are in contract so that your escrow can be just slightly less busy.
It also aides us in presenting the strongest offer – if you are up against other buyers but your loan has been almost fully underwritten in advance – your offer is pretty much as good as cash!
What to Expect When Purchasing
Get to know me.
A mortgage is one of the largest financial decisions most people will make, and the right advisor is as valuable as the best rate. Shivani's specialty is strategy: structuring each loan around the client's bigger financial picture, not just the purchase in front of them.
As Chief Performance Officer at All Western Mortgage and a consistent top-producing loan officer with over a decade in lending, Shivani brings an uncommon depth to the process. She also holds a master's degree in Marriage and Family Therapy, a background that shapes how she guides clients through high-stakes decisions with clarity and calm.
Shivani grew up in Reno, graduated from the University of Nevada, Reno, and followed her older brothers into mortgage banking. She's a proud mother of three and believes financial confidence is built one good decision at a time.
