Looking for a home loan in the Las Vegas area?
You’ve come to the right place!

When you decide to buy a home or refinance a mortgage in Las Vegas or the surrounding areas, your search for a home loan or mortgage should start and end here.  With so many lenders to choose from in the greater Las Vegas area, and nationally, you need to choose one you can trust to find the mortgage loan that’s best for you.

Sure, there are dozens of big bank mortgage lenders nationally, but you need a lender in Las Vegas.  Why?  Because we know Las Vegas and the surrounding areas of Clark, Lincoln, and Nye counties.  We know the local REALTORS®, appraisers, inspectors, and so much more.  We also have state-of-the-art technology that makes the loan process as easy and fast as possible, all while delivering personal customer service that can’t be beat.  Don’t gamble your family’s largest investment with a big name lender that may not know Las Vegas.  Choose us, the Las Vegas mortgage and loan specialists!
 

We serve the following areas with home loans and related services:

  • Clark County
  • Lincoln County
  • Nye County

Home loans or mortgages in Las Vegas

We’ll help you find the perfect home loan or mortgage.

Refinance loans, or refinancing your current home in Las Vegas

We help Las Vegas families lower their mortgage payments and/or lock in lower interest rates for their home loans every day.

Home equity loans

We can help you draw from home equity for home improvements, school or medical expenses, a family vacation, and any other reason under the sun!

Bridge loans, jumbo loans, reverse mortgages and so much more!

No matter what type of home loan you need, we’re ready to help.

We will give you the personal attention you deserve and treat you as a valued customer. Give us a call or apply online now!

Las Vegas Resources:

 

 

Which loan is right for me?

Years you plan to stay in the home Recommended program
1-3 years 3/1 ARM, 1 year ARM or 6 month ARM
3-5 years 5/1 ARM
5-7 years 7/1 ARM
7-10 years 10/1 ARM, 30 year fixed or 15 year fixed
10+ years 30 year fixed or 15 year fixed


 
Loan Program Advantages Disadvantages
Fixed Rate Mortgages
  • 30 year fixed
  • 15 year fixed
  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if rates go up
  • Can refinance if rates go down
  • Higher interest rate
  • Higher mortgage payments
  • Rate does not drop if interest rates improve

 
Loan Program Advantages Disadvantages
Adjustable Rate Mortgages (ARM)
  • 10/1 ARM
  • 7/1 ARM
  • 5/1 ARM
  • 3/1 ARM
  • 1 year ARM
  • 6 month ARM
  • 1 month ARM
  • Lower initial monthly payment
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
  • 30 year term, no balloon payment
  • More risk
  • Payments may change over time
  • Potential for higher payments if rates increase

 
Loan Program Advantages Disadvantages
Balloon Mortgages
  • 7 year
  • 5 year
  • Lower initial monthly payment
  • Lower payment for a predetermined period of time
  • Many balloon mortgages offer the option to convert to a new loan after the initial term
  • Risk of rates being higher at the end of the initial fixed period
  • Risk of foreclosure if you cannot make balloon payment, refinance, or exercise the conversion option
  • Balloon payment requires you to sell or refinance after the term, as opposed to a 7/1 or 5/1 program with a 30 year term

 
Loan Program Advantages Disadvantages
First Time Buyer Programs
  • Lower down payment
  • Easier to qualify
  • Lower rates may be available
  • May be subject to income and property value limitations
  • Some government subsidized programs may generate a recapture tax if you sell the house too soon
  • Education courses may be required to qualify for these loans

 
Loan Program Advantages Disadvantages
Stated Income Programs
  • Don't need to verify income
  • Faster approval
  • Good for borrowers who may not qualify with a full income documentation program
  • Higher rates
  • Higher down payment

 
Loan Program Advantages Disadvantages
Interest Only Programs
  • You have several payment options
  • Lower monthly payments
  • Qualify for a higher loan amount
  • Qualify at the interest only payment
  • Option to pay the full normal payment
  • Interest only payments for up to ten years
  • Higher rates
  • Principal loan balance will not decrease during the interest only payment period
  • Payment will be higher for the remaining term

 
Loan Program Advantages Disadvantages
No point, No fee Programs
  • No out-of-pocket loan costs at closing
  • Closing costs are paid from the lender rebate
  • Less money required to close
  • Refinance without increasing your loan amount
  • Higher rates
  • Higher payments
  • Some lenders may have a short payoff penalty which is usually charged to the loan broker, but may be passed on to you
  • Some require a prepayment penalty for the first one to five years

 
Loan Program Advantages Disadvantages
Imperfect Credit Programs
  • Potential for reestablishing credit if you pay your mortgage on time
  • When used for debt consolidation, you may be able to reduce your monthly debt payment
  • Higher rates
  • Terms may not be as favorable
  • Harder to get long-term fixed loans
  • Loans may have prepayment penalties

 
Loan Program Advantages Disadvantages
Home Equity Line of Credit
  • You only borrow what you need
  • Pay interest only on what you borrow
  • Flexible access to funds
  • Interest may be tax deductible
  • May be free of closing costs
  • A good source for an emergency fund, if set up in advance
  • Can be used for debt consolidation and lower payments
  • Rates are usually lower than consumer loan or credit card rates
  • Rates can change. The maximum interest rate can be relatively high
  • Payments can change
  • Harder to refinance your first mortgage

 
Loan Program Advantages Disadvantages
Home Equity Fixed Loan
  • Fixed payments
  • Interest may be tax deductible
  • Get cash out for any purpose
  • Higher interest rates compared to first mortgage
  • Harder to refinance your first mortgage
  • Interest is paid on the entire loan amount, compared to an equity line of credit

In addition to our standard loan programs, you may benefit by obtaining one of our many special programs: