Name: City1st. Mortgages. Descripton:Hello, my name is Jessica Flaska, NMLS: 257267 and I am a Mortgage Loan Officer with City1st Mortgages, located in Bountiful, Utah. I am licensed in Utah, California, and Washington. I discovered a passion in the Mortgage industry after my husband and I had a negative experience when we purchased our first house. This led me to wanting to help prevent other homeowners and future homeowners from going through the same thing we did. Trying and/or getting a mortgage loan or refinancing can be a stressful experience, but I work diligently in trying to make it less stressful for my clients by working with them to see what works best for their needs and see if there is a loan program available for them. There are also questions one may ask themselves that I would love to answer for them. Questions like... NEW PURCHASEWhich mortgage loan is right for you?CONVENTIONAL, FHA, VA, USDA, ect.?What is the difference in the cost of a mortgage loan between a 30 year and 15 year term?What is Mortgage Insurance? How can I lower my cost of Mortgage Insurance?How much are TOTAL CLOSING COSTS? How much funds are required for a Down Payment? What are acceptable sources of FUNDS for a DOWN PAYMENT on a home? What are the requirements for documenting seasoned source of funds for a down payment? Does this apply to me? What are Third Party Closing Costs?What is a Pre-qualification Letter? How soon do I need to get Pre-Qualified? REFINANCEWhen does it make good cents to Refinance a mortgage loan?The guidelines for Cash Out Refinances have changed. What options do I have?Can I eliminate my Conventional and FHA Mortgage Insurance now?Are Property Values up in my neighborhood? (Everyone who applies or calls may not qualify for a mortgage loan, regardless of the type. Rates and terms vary with each application. Please call for more information and to have an analysis completed to see what you may possibly qualify for.) Please do not call or email me for solicitations.