The Kosmecki Team at Sierra Pacific Mortgage is led by Dave Kosmecki. He has 41 years of industry experience.
Dave has 41 years of industry experience. You can be assured that you are in good hands with working with this team and their staff.
He understands that home financing can be a complicated and confusing process. His goal is to make it simple and spend all the time that is needed to explain the processes and timetables on the achievement of your goal, a new home loan!
Buying or refinancing a home is one of the most exciting, confusing and stressful financial transactions you'll ever make. Without the guidance of a dedicated Mortgage Loan Officer - loan documents, unfamiliar terminology and uncertainty can drain the joy out of buying a new home.
Our application process is simple. With 'Loan Prospector' and 'Desktop Underwriting', the loan application and the proper financial documentation provided by the client at the initial loan application will allow us to begin the process. These new computerized underwriting programs review your information electronically, allowing for answers in 24 hours or less. Once we have your approval we will be able to tell you if we need additional information from you in order to get your loan approved.