Yessenia Alfaro has been in mortgage lending since 2001, and her passion is in educating her clients on all their options concerning down payment assistance programs and loan programs. Yessenia finds helping her clients extremely rewarding as she guides them to realize their homeownership dreams. Yessenia walks through the home-buying process with every client, every step of the way.
Kimberly Brito is originally from California and has lived in Las Vegas since 2007. Kim started in mortgage industry in 2013 and is bilingual in Spanish. She specializes in all loan programs such as: FHA, VA and Conventional. Kim thoroughly examines her clients’ individual financial situation and will provide all the options available to so that her clients remain in control of their financial futures.
Victoria Campoy has lived in Las Vegas since 1997 and has been a loan officer for 20 years. She feels thankful to call Las Vegas her home and to be able to count so many past clients as friends. As a loan officer, Victoria has helped secure financing for over 1,000 families. Asa trusted advisor to her clients, the majority of her business comes from referrals. Victoria specializes in many of the down payment assistance programs available through the Nevada Housing Division and other non-profit organizations. Each person’s financial situation is different, and Victoria is sensitive to her clients’ unique situations and needs. Victoria believes in giving of her time, resources and knowledge to her clients, creating relationships that will last a lifetime.
Tim Cheatham has been in real estate financing for over 21 years, he and is skilled at building lasting relationships with clients and business partners, providing them with sound business solutions that address their home-financing needs. Tim has a proven track record of servicing and providing solutions that drive results. He takes a consultative approach and delves deeply into the customer’s needs and wants, making sure the available financing option will achieve the desired result. Tim consistently receives feedback that his recommended solution provided the best option for his clients.
In his spare time, Tim travels the world officiating boxing matches as an International Boxing Judge.
Elizabeth Gaiter was born and raised in a small town, so she knows the importance of trust and taking time to explain the loan process. She moved to Las Vegas, Nevada in 1998, met her husband in 2001 and has been happily married for 15 years. She is committed to building a relationship and maintaining an open line of communication throughout the entire loan process and looks forward to being there every step of the way in your journey to homeownership. Elizabeth is also bilingual in Spanish.
Gricelda Leon is a bilingual loan officer and has been originating loans in Nevada since 2008. She loves helping people with all types of loans from purchase to refinance. Gricelda has access to all the Down Payment Assistance Programs including Home is Possible. She especially appreciates the trust her clients place in her. Buying a new home is a big commitment, and ie: Gricelda feels being chosen to help guide the process is a great honor.
Shawn McWilliams has been a mortgage lender in the Clark County area for 20 years and grew up here in Nevada. As a referral-based loan officer, Shawn specializes in customer service and creative financing options. With daily updates and constant communication, Shawn is consistently available for his clients throughout each transaction.
With over 20 years of experience in the finance and mortgage industry, Julie Mendez has shared her expertise to personally assist hundreds of families with down payment assistance and responsible and affordable home financing. Whether you’re buying, selling, refinancing or building your dream home, you have a lot riding on your mortgage professional. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a true professional who can give you quick and accurate financial guidance. At RMS & Associates, we are committed to providing clients with multiple loan products and the highest quality home loans.
Joshua Nieves is a Las Vegas native and Team Leader/ Senior Mortgage Loan Officer for RMS & Associates. Joshua has been licensed since 2000 and has closed over 2340 home loans totaling in over $410,000,000. He has worked in all aspects of mortgage lending as he aids his clients in achieving their goals of home ownership.
Joshua builds his business and reputation on providing solutions for his clients including the use of money-saving down payment assistance programs. He also specializes in Conventional loans, FHA loans, VA loans, Investor loans and Jumbo financing. Joshua is a member several multicultural associations related to the Real Estate Industry – NAHREP, AAREA, WCR of Las Vegas, and Las Vegas Chamber of Commerce member. In Joshua’s personal time you may find him loving his family, at one of his two daughter’s sports activities, volunteering in the community, snowboarding, or hiking, golfing and having fun in life.
Leticia Olivas has been working with RMS & Associates since 1997. As a referral-based Loan Officer, Leticia loves educating first-time home buyers on all of the options available to them in regard to their financial and personal situations. Leticia understands how many questions come along with buying a new home, so she makes sure to always be available throughout the whole process of the transaction. Leticia is passionate about helping families fulfill their homeownership dreams.
Lara Parker has lived in Las Vegas since 1983 and has seen the growth of this amazing city she calls home. Since 1993 Lara has been active in the mortgage industry as loan processor, net branch manager, underwriter, and loan officer. Experiencing all the aspects of this industry gives Lara the expertise to be able to guide and direct her clients to the homeownership solutions they seek. Lara prides herself in taking the time to listen and know her clients’ needs.
Lara is also fluent in Tagalog.
Elvira Parham is a loan officer with 10+ years of experience. She is originally from Mexico and has a degree in business administration. Elvira is passionate about customer service, and she especially enjoys working with first-time home buyers, answering their questions and helping them navigate the process of home ownership.
Isel Pena has been with RMS for four years, and she initially entered into the mortgage business as an assistant. Through that initial experience working with clients, Isel discovered her passion for helping families achieve their dreams of owning a home. Isel and her husband have four children, so she is particularly inspired by families and their dreams. She uses down payment assistance programs and a variety of loan programs to help meet the needs of her clients.
Christine “Chrissy” Riley is originally from Southern California and entered the mortgage business after moving to Las Vegas over 20 years ago. She began as a Receptionist, worked as a Loan Officer’s Assistant, moved into a Loan Processor position and then obtained a license as a Loan Officer. She enjoys guiding clients through the mortgage process and together determining the loan that best fits her clients’ needs.
Originally a Georgia native, Kristin earned her graduate degree at Long Island University in New York, and she spent 5 years as a college professor before turning to the “family business” of real estate and finance. Kristin loves educating first-time buyers about the loan process, giving options to her clients so they maintain control of their financial destinies, and offering down payment assistance and other programs to help save her clients money. Kristin Richmond has been working in the mortgage industry with the RMS & Associates team since 2014.
Oscar Saldana is a bilingual Mortgage Loan Originator with RMS & Associates. He is dedicated to ensuring his clients get the best financing option available for them. His background and experience have always been serving others and putting their needs first.
Oscar joined RMS & Associates in 2018. He previously worked for Bank of America where he also originated mortgage loans.
Elna Shoji has been working in the mortgage industry in the Las Vegas area since 2008. Elna feels her move to her current position with RMS & Associates in 2010 has been the best business decision in her career. Before moving to Las Vegas, Elna worked in various manager positions in the banking field which gives her a great perspective on how the “big banks” work verses a smaller company whose motto is “People First.” Elna’s favorite thing about her job is helping families realize their dream of homeownership.
Wayne Wasano is a fourth generation Japanese American from Hawaii and has been in Las Vegas since 1973. He served in the United States Air Force from 1973 — 1977. Upon graduating from Golden Gate University with an M.B.A. in business administration, Wayne worked in the Las Vegas banking and insurance communities. In April 1996, Wayne co-founded RMS & Associates (RMS), which has grown to over 40 employees, and he currently acts as the company’s President. RMS remains a locally-owned mortgage broker providing financing to qualified home buyers throughout Nevada, Utah and California. Wayne is a former Division | college basketball official and is active in the Southern Nevada Officials Association, and in his spare time enjoys training basketball officials and traveling to tropical locales.
As a trusted advisor and featured speaker regarding interest rates and mortgage market dynamics, I’m grateful to be of service Monday – Saturday to my partners and our associates. But if it’s Saturday, you’re buying the drinks J. Please also check out my TED-Talks portfolio and weekly Podcasts. In connection with originating home loans, my role is often to help our team solve problems and keep the deal on track, especially regarding self-employed borrowers with unique financial statements and tax returns. We close the toughest deals that other banks and lenders may struggle to accomplish. We have an incredible team! I’d like to thank our Loan Officers, Loan Officer Assistants and Operational Personnel for helping to make this the greatest mortgage company on earth. I love you all !!
This site is directed at, and made available to, persons in the continental United States, Alaska and Hawaii only. All mortgage loans are offered through Residential Mortgage Services. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Residential Mortgage Services only originates mortgage loans within the United States of America. This website is not an advertisement to extend consumer credit. Access to the service may be limited, delayed or unavailable during periods of peak demand, market volatility, system upgrades or maintenance, or electronic, communication or system problems, or for other reasons.