1. Right Choice Lending

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Las Vegas, NV

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Right Choice Lending

5.0 (4 reviews)
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2 years ago

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4 years ago

Works great with people and answers all your questions and needs.

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4 years ago

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Franco Manueli - Envoy Mortgage - Branch Manager | Loan Officer - Franco Manueli

Franco Manueli - Envoy Mortgage

(118 reviews)

I've known Franco for over 20 years he is reliable dependable and very articulate…read more I have used his services on countless properties that I've owned in the past and my recent purchase here in Florida. With that being said he has closed my homes from Vegas to Florida. My own mother uses his services as well and she always has been satisfied from beginning to end he is very professional. I believe he takes away the stress of the buying process or investing process by explaining things in detail. If you need a mortgage I highly recommend him five stars is not enough . Thank you JamesZito.com

I chose this loan officer specifically because of the strong reviews and because I wanted…read moretransparency on rates and costs. That's not what I got. Early in the process, I was given the clear impression my rate would fall in a certain range. When the actual disclosures arrived near closing, the zero-point rate was substantially higher, nearly a full point above what I'd understood, and the version I received had thousands of dollars in discount points built in that were never discussed with me. When I raised the discrepancy, I was told it was "the market" and given explanations about what online rate averages "really mean." None of that held up when I checked published data myself. To be fair, the file was handled competently and closed on schedule. But I had to push, repeatedly, before I was shown the full range of rate, point, and credit combinations available to me. My advice to anyone shopping here or anywhere: 1. On day one, ask for the full rate sheet in writing: every rate paired with its exact points or lender credit. Not a verbal quote. Email or PDF. 2. Any time someone quotes a rate, ask if it includes points, and how many, and get the answer in writing. 3.Take that written sheet and shop it with at least two other lenders or brokers. If someone won't put pricing on paper, that tells you everything. 4. Never sign a fee disclosure with points you didn't explicitly agree to. You can decline and restructure at the zero-point rate. I did, and it saved me thousands in cash at closing. Good ratings don't mean you can skip the paper trail. Get everything in writing.

Melissa St Marie - RWM Home Loans - Your Las Vegas Lender

Melissa St Marie - RWM Home Loans

(1 review)

I recently worked with Melissa at RWM to purchase a new home. She was AMAZING! She was very…read moreprofessional, responsive and helpful in preparing funding scenarios, assisting me with questions and made the entire process from beginning to end very smooth, efficient and easily understood. She took extra time with me in helping me understand the information and process. The online portal made it very easy. I couldn't be happier!

From the owner: Experience Matters! When it comes to securing the perfect…read moremortgage, having a seasoned expert by your side can make all the difference. This mortgage lender has spent two decades navigating the ever-changing real estate market in Las Vegas. Her profound expertise enables her to offer tailored solutions that match your financial goals and dreams. Proven Track Record: With a long history of successfully securing mortgages, she knows how to get you the best deals, even in a competitive market. Local Knowledge: Her deep knowledge of the Las Vegas market means she can identify opportunities others might overlook. Personalized Service: She understands that every client is unique, which is why she offers personalized mortgage solutions that fit your needs. Empathetic Approach: As a female mortgage lender, she brings a compassionate and understanding perspective to the mortgage process. Client-Centered: Your goals are her top priority, and she works tirelessly to make your homeownership dreams a reality. Transparent Communication: She believes in open and honest communication, ensuring you are well-informed throughout the entire process. Whether you're a first-time homebuyer, looking to refinance, or investing in real estate, our Melissa St. Marie is your dedicated partner for a smooth and stress-free mortgage journey.

Right Choice Lending - mortgagebrokers - Updated November 2026

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