Mortgage Strategy That Gets You
Approved, Not Just Prequalified
🇲🇽 Hablamos Español.
27+ years of mortgage experience. 317+ five-star reviews. Art Loera doesn’t just get you a rate, he designs a strategy built around your life.
I’m Art Loera. Since 1999, I’ve believed a mortgage decision should be clear and educated, not rushed, not gated, not hidden behind closed doors. So here, everything is free. 14 PDF guides in English and Spanish. Mortgage calculators. Every loan program explained. Important Numbers for your new neighborhood: county recorders, title companies, utilities, and schools. Real strategy that gets you approved, not just pre-qualified. No email required. No credit card. No account. Read what you need, apply when you’re ready.
30+ Programs to Get You Approved
When other lenders say no, Art finds a path. Access to the full PRMG program matrix, from first-time buyer to investor.
FHA Loans
3.5% down, flexible credit from 580+. Best for first-time buyers in Reno and Sparks.
DetailsFHA at a Glance
- 3.5% minimum down payment
- Credit scores from 580+ accepted
- Gift funds allowed for down payment
VA Loans
Zero down, no PMI for eligible veterans and active military. Art is a VA specialist.
DetailsVA at a Glance
- Zero down payment required
- No monthly mortgage insurance
- Veterans, active duty & eligible spouses
USDA Rural
100% financing for eligible rural areas. Fernley, Dayton, Fallon, ask Art if you qualify.
DetailsUSDA at a Glance
- Zero down in eligible areas
- Household income limits apply
- Rural NV: Fernley, Dayton, Fallon
Conventional
3-20% down, often the best pricing at 680+ credit. Fannie/Freddie backed. Most popular option.
DetailsConventional at a Glance
- As little as 3% down
- PMI can drop at 20% equity
- Fannie Mae / Freddie Mac backed
Jumbo Loans
Luxury and Tahoe properties above conforming limits. Art knows the Tahoe market.
DetailsJumbo at a Glance
- For amounts above conforming limits
- Ideal for Tahoe & luxury homes
- Multiple term options available
DSCR / Investor
Qualify on rental income, not personal income. Perfect for Reno and Tahoe investors.
DetailsDSCR at a Glance
- Rental income qualifies you
- No tax returns or W-2s needed
- Investors & LLCs welcome
Bank Statement
Self-employed? Qualify using 12-24 months of bank statements. No tax returns needed.
DetailsBank Statement at a Glance
- 12–24 months of statements
- No tax returns required
- Built for the self-employed
Down Payment Help
Nevada DPA grants and forgivable programs. Up to 5% assistance. Ask Art what’s available now.
DetailsDPA at a Glance
- Up to 5% purchase assistance
- Grants & forgivable options
- Great for first-time buyers
317+ Five-Star Reviews
from Real Reno & Tahoe Families
“Art made buying our first home so much less stressful. Always available, explained everything, closed on time.”
“Every lender turned us down because of my new job. Art closed in 28 days and never made us feel hopeless.”
“Art lo hace todo en español. Cerramos nuestra primera casa en 30 días. Increíble.”
“Art got our VA loan approved when two other lenders said no. He understood our service history and made it happen.”
“Self-employed for 10 years and finally a lender who knows bank statement loans inside out. Closed in 21 days.”
“Locked our refi at the perfect moment. Art saved us $480/month on our payment. He watches the market so we don't have to.”
“Art nos explicó todo en español y nunca nos sentimos perdidos. Compramos nuestra primera casa con confianza.”
Serving Reno, Tahoe & All of Nevada
Art Loera serves homebuyers and homeowners across Nevada and the Lake Tahoe region. Explore local mortgage guidance for your community:
Ready to Get Approved?
Call, text, or apply online. First conversation is always free and honest, never a sales pitch.
775-404-0006 aloera@prmg.net · Hablamos Español
Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.