Derek Fricke Home Loan Specialist

08/27/2026

MYTH: You need to be a top producer before a branch will invest in you.

That’s backwards.

The right branch doesn’t just invest in the agents who are already at the top. It invests in the people who are ready to grow.

The right support, coaching, tools, leadership, and opportunities can help turn potential into production.

If you’re driven, coachable, and ready to build something bigger, you shouldn’t have to “make it” before you get the support to get there.

📲 Curious what that kind of branch support could look like? Let’s talk.

Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/26/2026

All Western Mortgage is growing, and so is our team. We’ve already welcomed several new loan officers, and we still have a few spots available before the end of the year.

If you’re looking for more product options, strong support, and an opportunity to grow with a team that’s building momentum, let’s talk.

📲 Give me a call and let’s see if All Western could be the right fit for you.
Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/25/2026

A lot of buyers use “down payment” and “cash to close” like they mean the same thing, but they’re actually different.

Your down payment is the portion of the home’s purchase price you’re putting down upfront.

Your cash to close is the total amount you’ll need at closing, which can include:

Your down payment
Closing costs
Prepaid taxes and insurance
Any other required funds due at closing

So yes, your down payment is part of your cash to close, but it’s not the whole picture.

This is one of the biggest reasons buyers can feel caught off guard during the process. The good news is, with the right planning, you can know what to expect ahead of time.

📲 If you’re getting ready to buy and want help understanding the numbers, reach out and let’s walk through it together.

Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/24/2026

A pretty accurate look at the daily checklist around here. 😄

Sleep? Maybe later.
Answer emails? Absolutely.
Issue pre-approvals? All day.
Help clients win? Always.

Behind every pre-approval is a buyer getting one step closer to home, and that’s the part that never gets old.

📲 If you’re thinking about buying and want to know where you stand, let’s get your pre-approval started.

Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/21/2026

08/20/2026

If you’re sitting on a low-rate first mortgage, refinancing the entire loan may not be the best move.

I can help you explore a second mortgage strategy that lets you access some of your home’s equity while keeping that existing first mortgage in place. Depending on your situation, that extra flexibility could help with monthly expenses, consolidate other debt, and create a more manageable financial picture.

📲 Want to see if this strategy makes sense for you? Let’s have a conversation.

Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/19/2026

Not every loan officer needs a new company. Some just need a better one.

A place where you can keep building your business, serve your clients well, and have the support you need without feeling like you have to start from scratch.

At All Western Mortgage, I’m always open to connecting with loan officers who are curious about what else might be out there. No pressure. No hard sell. Just a conversation about your goals, what’s working, what isn’t, and what the right fit could look like.

If you’ve been wondering whether there might be a better place to grow your business, let’s talk.

📲 Send me a message and we’ll start there.
Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/18/2026

I work with borrowers who may be just outside traditional loan guidelines, whether that’s due to past credit challenges, being newly self-employed, or another qualifying hurdle.

Our EEP loan through All Western Mortgage may offer another path to homeownership when other options haven’t worked.

📲 If you’ve been turned down elsewhere, give me a call. Let’s take a look at your situation and see what options may be available.

Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD

08/17/2026

🏡 FHA vs. Conventional: Which Makes More Sense?

There’s no one-size-fits-all answer when it comes to choosing a mortgage.

FHA loans may be a good fit if you:
• Have a lower credit score
• Want a lower down payment option
• Need a little more flexibility with qualifying

Conventional loans may make more sense if you:
• Have stronger credit
• Want more flexibility with mortgage insurance
• Are looking for a wider range of property or loan options

The best loan isn’t necessarily the one with the lowest down payment. It’s the one that fits your finances, your goals, and your plans for the future.

Not sure which direction makes sense for you? Let’s compare the numbers.

Derek Fricke, Branch Manager
ALL WESTERN MORTGAGE
702-215-9282
[email protected]
www.allwestern.com
NMLS #133546
Licensed States: AL, KS, MA, MO, OR, SD