Whether you are buying your first home, upgrading, investing, or relocating to Reno or Lake Tahoe, Art Loera has the programs, the experience, and the commitment to get you there. FHA, VA, USDA, Conventional, Jumbo and 16+ more. When other lenders say no, Art finds a way.
“I believe a mortgage loan must be a clear and educated decision. Everything on this site is free, in English and Spanish: guides, calculators, programs, and Important Numbers. No closed doors, no signup, no catch.”
Seven essential tools for every Reno and Tahoe buyer. Search listings, run your numbers, learn from real scenarios, ask SAM anything.
Browse every active listing in our market on Zillow. Filter by price, beds, neighborhood. Send Art the address and get a same-day pre-approval letter.
Get a quick read on your buying power. Estimate the loan amount you may qualify for based on your income, debts, and down payment. Honest numbers, no surprises.
Run real monthly payments with principal, interest, taxes, insurance, and HOA. See exactly what owning a Reno or Tahoe home will cost you each month.
Real situations Art has closed. First-time buyer with student loans, self-employed with write-offs, recent credit event, Tahoe second home. See how Art found the path.
From offer to closing, certain moves can sink your loan. Do not open new credit, do not change jobs, do not move money around. Art's printable guide keeps you on track.
Pre-approval checklist, document request list, mortgage process map, budget worksheet. Every form Art uses, free to download. Print and prepare before your first call.
Got a mortgage question? Any program, any loan, any scenario, any rate. SAM is Art's AI assistant. Ask anything, in English or Spanish, 24/7. No login, no calls. Just ask.
Available 24/7 in English and Spanish
From the day Art issues your pre-approval to the day you sign closing docs, follow these rules. They are the difference between getting your keys and losing the deal at the last minute.
Art walks you through every step. No surprises, no confusion, no being left in the dark. Just a clear path from start to keys in hand.
Call or text Art at 775-404-0006. Tell him your situation, your goals, your timeline. He listens first and recommends second. No pressure, ever.
DetailsArt reviews your credit, income, and assets to issue a solid pre-approval letter. Sellers take pre-approved buyers seriously. This is your competitive edge.
DetailsShop with confidence knowing your budget and buying power. Art partners with top Reno and Tahoe realtors, or works directly with yours.
DetailsOnce you have an accepted offer, Art locks your rate and manages the entire loan process. You will always know exactly where your loan stands.
DetailsSign, fund, get your keys. Art does not disappear at closing. He is your mortgage guy for life, ready when you are ready to move again.
Details“I am not here just to close your loan. I am here to be your mortgage guy for life. From Reno and Tahoe to anywhere in the country, honestly, transparently, and without giving up.”
Most Reno lenders offer 4 to 6 programs. Art offers 16+ including programs exclusive to his clients. If there is a path to homeownership, Art will find it.
The most accessible path to homeownership for most buyers. Low down payment, flexible credit requirements, and government backing. Art has closed hundreds of FHA loans in Reno and Tahoe.
Zero down payment, no PMI ever, competitive rates, and the best benefit earned by those who served. Art knows the VA guidelines inside and out and maximizes every benefit for veterans.
Zero down payment for eligible rural and suburban properties. Many Reno, Sparks, and Northern Nevada areas qualify. Art will check your address for eligibility instantly.
Ideal for buyers with solid credit and income. Lower long-term cost, no upfront MIP, and PMI drops off once you reach 20% equity. The most flexible program for well-qualified buyers.
For high-value homes in Incline Village, South Lake Tahoe, and luxury Reno markets. Art specializes in jumbo financing above conforming loan limits with competitive rates and flexible terms.
Nevada and federal DPA programs can provide grants and forgivable loans toward your down payment and closing costs. Art knows every program available in Northern Nevada and how to stack them.
If you are self-employed or a business owner, your tax returns may not reflect your real income. Art qualifies you using 12 to 24 months of bank statements instead. No W-2s required.
Qualify based on the property's rental income, not your personal income. Perfect for real estate investors with complex tax returns who want to build their Reno or Tahoe portfolio.
Educators, healthcare workers, and first responders may qualify for special pricing and closing cost credits. Reno's heroes deserve more. Ask Art how this exclusive program works for you.
Estimate your monthly payment. Every situation is different, so use this as a starting point then call Art for your exact numbers.
“Art made buying our first home so much less stressful. He explained everything step by step, was always available, and closed us on time. We cannot recommend him enough.”
“As a veteran I wanted every benefit I earned. Art knew the VA inside and out. Zero down, no PMI.”
“Every other lender told us we did not qualify because I had just started a new job. Art closed our loan in 28 days. He found a way when nobody else would even try.”
Not ready to apply today? No problem. Scan the QR code with your phone camera to save Art's contact directly to your phone. When you are ready to buy, in a week or a year, Art is already in your phone.
Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.