Celebrating 40 years in the mortgage business

The Radford Company is a preferred VA lender for Creech Air Force Base and Fallon Naval Air Station.

Residential Real Estate Loan Specialists in all of Nevada.

The Radford Company serves exclusive communities in Lake Tahoe, Reno and Las Vegas. The company is headquartered in Incline Village, Nevada on the north shore of Lake Tahoe.

The Radford Company was established in 1979 by its current President, Alfred Joseph “A J” Banford, Jr., who graduated from the Air Force Academy in 1962 and subsequently served two tours of duty in Viet Nam.

Due to A.J.’s status as a “wounded warrior”, The Radford Company qualifies as a Service Disabled Veteran Owned Business (SDVOB).

What Type of Home Loan or Refinance is Right for You?

These are the most common types of loans, and include fixed rate and adjustable rate mortgages (ARMs). Most require a down payment, but there are options that minimize down payment requirements, including 3% and 5% down. With ARM loans, the rate is variable and may increase or decrease every year after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment.

The Radford Company has more than 35 years experience with conventional loans. Our team has worked with lenders to avoid the extra cost of mortgage insurance (MI) for our clients.

Contact us to learn which loan is right for you.

The VA Home Loan Guarantee Program helps veterans purchase, refinance, or build homes through VA-approved lenders like Veterans United. Loans are backed up to $417,000 and more in some areas (up to $2,500,000) with low closing cost and fewer fees than conventional loans. Packed with money-saving advantages such as no down payment requirement and no private mortgage insurance, the VA home loan also is designed specifically for the unique challenges facing service members and their families. Additionally, disabled veterans are exempt from VA’s funding fee.

Contact us to learn which loan is right for you.

A Super Jumbo loan facilitates high-end purchases of luxury homes, exclusive vacation homes, upscale investment property and other quality real estate. Super Jumbo loans are also a method that primary occupants or investors use when they desire a way to leverage their assets. It’s quite imperative that you deal with a loan expert who has years of knowledge through experience when dealing in high-end financing and an essential component to finding the best mortgage options suitable for your exceptional needs.

Contact us to learn which loan is right for you.

USDA Home Loans supplies 100% financing for a home purchase, or refinancing in a USDA designated rural area. USDA home loans are guaranteed by the United States Department of Agriculture and are serviced by direct lenders that meet federal guidelines.

The USDA home loan program extends many financial benefits to those who qualify including no down payment for the purchase of a home. USDA home loans also come with no monthly mortgage insurance, flexible credit guidelines, and low interest rates.

USDA home loan eligibility is based financial history and the property you are choosing to purchase. By completing our USDA qualification request, our specialists will be able to inform you on how much you can afford and what your estimated monthly payment will be.

Contact us to learn which loan is right for you.

The Home Affordable Refinance Program (HARP) has been extended until December 31, 2016 and allows homeowners to refinance into low mortgage interest rates even if the property has decreased in value.The HARP mortgage program was established in 2009, for Fannie Mae and Freddie Mac, the Home Affordable Refinance Program provides an option for homeowners to refinance “Under Water Mortgage”. A HARP Refinance addresses situations where the homeowner’s property value has fallen causing them to no longer to qualify under traditional underwriting criteria.

The Radford Company’s founder, A.J. Banford, is a director of the Nevada Affordable Housing Assistance Corporation. The nonprofit administers the Nevada Hardest Hit Fund, which provides assistance to Nevada homeowners who are at high risk of default or foreclosure.

Contact us to learn which loan is right for you.

The Radford Company is an exclusive luxury home loan brokerage firm with executive offices located in Lake Tahoe. A leading provider of Luxury Loans for Celebrities and high net worth clients. Extremely sensitive to a desire for confidentiality, A. J. Banford works closely with highly qualified professionals, from skilled Realtors and Brokers to CPAs and Investment Advisors to handle every aspect of the luxury home buying or selling process with utmost discretion.

The Radford Company provides loans in these areas: Incline Village, East Shore Lake Tahoe, Galena, Montreaux, Arrowcreek, Reno, Sparks, Fallon, Fernley, Las Vegas, McDonald Highlands, Lake Las Vegas, Summerlin, Queensridge, The Ridge at Summerlin, Red Rock Estates, and Southern Highlands.

Over the lifetime of a loan, the savings gained by qualifying for a slightly reduced rate can be extremely vital in adding up to tens of thousands of dollars SAVED!

  • Conventional Home Loans
  • Interest-Only Super Jumbo
  • Luxury Home Purchase
  • Luxury Home Refinance
  • Exclusive Vacation Homes
  • Fixed Rate or Adjustable Rate
  • New Construction
  • No PMI Options
  • Creative Super Jumbo Loans
  • Exclusive Investment Property
  • 40-year amortization

Equal Housing Opportunity

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, or national origin.

What Our Clients Say

The Radford Company are VA experts and the best mortgage lender in Nevada. In the 20-plus years I have done business with them, they have never failed to exceed my expectations and deliver a timely and competitive product. If you are looking for a mortgage loan, look no further than The Radford Company to meet all of your lending needs.

- Scot, Mortgage professional and client
Thanks for being there when I need you. I’m looking forward to many of working together.
- Kat, Realtor

Thank you for everything, Karin. Why would anyone call anyone but you for a loan?

- Doug & Heidi

You did what 3 other lenders could not do. And your interest rate was better. THANK YOU.

- David