Las Vegas mortgage loan officer · Licensed in 9 states Home loans for every kind of buyer.

Everybody who wants a place of their own: first-time buyers, move-up buyers, veterans and military families, self-employed and 1099 borrowers, real estate investors, homeowners refinancing or tapping equity, and German-speaking buyers.

The team handles conventional, FHA, VA, USDA, jumbo, bank statement, 1099, DSCR, refinance, cash-out, first-position HELOC and foreign national loans in Nevada, California, Colorado, Florida, Georgia, North Carolina, Tennessee, Texas and Virginia.

No. Fabion is U.S. Army Retired, and VA loans are a big part of the work, and so are conventional, FHA, jumbo, self-employed, investor and refinance loans.

Whatever the loan, the process is the same: pricing compared across multiple wholesale lenders, the numbers in plain language, and an update at every milestone.

That's usually the most straightforward file there is, and it's exactly where comparing lenders pays off. We price your scenario across multiple wholesale lenders and show you the options side by side, so you pick the best fit instead of taking the first offer.

With 20% down on a conventional loan there's no PMI, and we keep the path simple: clear checklist, e-sign from your phone, updates at every step.

Source: CFPB, removing PMI, last verified October 23, 2026.

That's the best time to talk. People who check where they stand months ahead usually end up in better shape than the ones who call after an offer is accepted.

You're not applying for anything and you're not committing to us. If we can't help, we'll say so and point you somewhere that can.

Your purchase contract sets the closing date, and the loan is planned backward from it. Federal rules require your Loan Estimate within three business days of applying and your Closing Disclosure at least three business days before you close.

In between, the appraisal, title and underwriting conditions set the pace, so sending documents early is the part you control.

Source: CFPB, Regulation Z 1026.19 (Loan Estimate and Closing Disclosure timing), last verified October 23, 2026.

No. The calculator and the Homebuying Snapshot on this site pull nothing: no soft inquiry, no hard inquiry, no Social Security number.

When you do move to a real pre-approval, FICO groups mortgage inquiries made close together into one: any 14-day span on older score versions and any 45-day span on newer ones. Shop inside two weeks and you're covered either way.

Source: myFICO, rate shopping, last verified October 23, 2026.

Yes, and be wary of anyone who tells you not to. Send us the other quotes and we'll read them line by line and tell you plainly which one wins, even when it isn't ours.

Rate alone is where most people get caught: the lowest rate on the sheet often has points baked in, or lender credits that vanish at closing.

A bank can only offer its own menu. A broker puts a network of lenders in competition for your file, so you're comparing instead of assuming.

Sometimes the bank still wins, and when it does we'll tell you to take it. What did they quote you?

Yes. With two years of tax returns, a conventional or FHA loan often works. If write-offs shrink your taxable income, bank statement programs (12 or 24 months of statements), P&L-only and 1099-only programs can qualify you on deposits or gross receipts instead.

We'll look at both routes and tell you which one prices better before you apply.

A DSCR (debt service coverage ratio) loan qualifies an investment property on its rental income compared with its monthly payment of principal, interest, taxes, insurance and HOA, instead of on your personal income.

The higher the ratio, the more of the payment the rent covers. You can usually close in your own name or an LLC. See the Nevada DSCR guide.

Possibly better than you think. For FHA, a 580 score is eligible for maximum financing (3.5% down), and 500 to 579 is limited to 90% loan-to-value, meaning 10% down. The VA doesn't publish a minimum score; lenders set their own.

The most expensive thing we see is people ruling themselves out before anyone has looked at their file.

Source: HUD, FHA credit scores, last verified October 23, 2026.

No. FHA allows 3.5% down with a 580+ score, VA can be $0 down, and conventional loans can go as low as 3% down for first-time buyers. Twenty percent isn't a requirement; it's the point where PMI isn't needed on a conventional loan.

Worth sitting with: if you've been saving toward 20% for years, what has the rent you paid over that stretch actually bought you?

Source: Fannie Mae, 97% LTV options, last verified October 23, 2026.

PMI is insurance you pay on a conventional loan when you put down less than 20%. It protects the lender, not you. You can ask to cancel it once your balance reaches 80% of the home's original value, and it ends automatically when your balance is scheduled to reach 78%, as long as you're current.

One catch: those thresholds use the original value, not today's. If your home has appreciated, that's a conversation to have with us.

Source: CFPB, removing PMI, last verified October 23, 2026.

MortgagePTSD (Pretty Terrific Service Department) is the mortgage team led by Fabion Medhanie, U.S. Army Retired and a licensed mortgage loan originator (NMLS #2002997) based in Las Vegas, powered by Barrett Financial Group (NMLS #181106).

The name is the standard: PTSD stands for Pretty Terrific Service Department. That means a direct line to your loan officer, lenders compared side by side, no surprise numbers and an update at every milestone.

A team, with one point of contact. Fabion structures and prices your loan, Mallery Campos, the loan officer assistant, keeps documents and follow-ups moving, Barrett Financial's processing team prepares the file for the lender's underwriter, transaction coordinators keep contract dates on track, and title and escrow handle closing.

Need a Realtor? We'll connect you with one from our partner network. Already have one? They'll get updates from us at every milestone.

A bank lends its own money and can offer only its own loan programs. A mortgage broker is licensed to arrange your loan with outside wholesale lenders, so one application can be priced against several lenders' programs and you choose from the options side by side.

Underwriting and final approval still come from the lender that funds the loan, which is why no broker can promise approval.

A mortgage broker is paid either by the lender or by you, never both on the same loan. Federal rules ban pay tied to your loan's interest rate or terms. If you pay the broker directly, it shows on your Loan Estimate. Either way, it shows on your Closing Disclosure, so you can see what was paid and by whom.

Source: CFPB, Regulation Z 1026.36 (loan originator pay), last verified October 23, 2026.

Nine: Nevada, California, Colorado, Florida, Georgia, North Carolina, Tennessee, Texas and Virginia. You can verify it on NMLS Consumer Access under NMLS #2002997.

Source: NMLS Consumer Access, last verified October 23, 2026.

Ja. Fabion speaks German and can run the whole process in German, from the first call to the closing table. Zur deutschen Seite.

No. The call, the calculator and the Homebuying Snapshot are free, and none of them touch your credit.