Stephanie Carmichael
Branch Manager / Loan Originator
NMLS: 227885
stephanie.carmichael
Cell: 775-232-4227
Office: 775-470-5899
Fax: 714-845-9230

Branch Address:
875 Roberta Lane
Suite 103
Sparks, NV 89431
Branch NMLS: 1400136

Welcome!

I understand that purchasing your first home can be intimidating. Having Residential Bancorp on your side will make all the difference. Why learn by trial and error? You have a friend in the business! I will guide you through the process step by step. Let me make this dream a reality for you. Homeownership is a lifetime commitment and I will be there for you every step of the way.

I guide all of my clients smoothly through their transactions, and I get a great deal of satisfaction knowing that I helped someone make their dreams come true. I can help you as well. All of my clients are special to me. Because we have to work very closely throughout the process, a special bond is usually developed that remains even after the transaction is closed.

Apply online today!

BY PROCEEDING WITH THIS WEBSITE, I UNDERSTAND AND AUTHORIZE RESIDENTIAL BANCORP TO PULL MY CREDIT. In accordance with Section 326 of the USA Patriot Act of 2001, Residential Bancorp NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.
I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit. All loan programs, terms and interest rates are subject to change and/or discontinuance without advance notice.
APPLY NOW
  • FHA Loans
  • VA Loans
  • FNMA / FHLMC Conventional
  • 203K Limited
  • USDA Guaranteed Rural Housing
  • City of Los Angeles Downpayment assistance
  • HUD Repair Escrow
  • Good Neighbor
  • FHA Streamline
  • NO FICO Underwriting FHA
  • DU REFI Plus
  • Manual Underwriting
  • Home Equity Line of Credit
  • CALHFA ZIP
  • Mortgage Credit Certificate
  • GFSA Platinum
  • Manufactured Housing
  • JUMBO Loans
  • Home Ready
  • … and many more