Elko • Nevada
Welcome to Elko
Elko • Nevada • Since 1999
ART LOERA
Mortgage Strategy That Gets You
Approved, Not Just Prequalified
Approved, Not Just Prequalified
🇲🇽 Hablamos Español
🇲🇽 Hablamos Español.
27+ years of experience. 315+ five-star reviews. Art Loera helps mining families, veterans, and first-time buyers in Elko and Spring Creek purchase and refinance with confidence.
Elko is the hub of northeastern Nevada, anchored by Carlin Trend gold mining and working families. Compared with much of the state, housing in Elko stays affordable, and a large share of Elko County is USDA-eligible rural land where zero down financing can work. Mining income, rural loans, and manufactured homes matter here as much as a credit score.
A first home, a move-up, or a refinance, the goal is the same: a clear plan, honest numbers, and a real person who answers the phone. Art is personally licensed in Nevada (NMLS #367308) and serves clients nationwide through PRMG’s multi-state branch network.
Elko runs on mining workers, veterans, and northeastern Nevada families, so these four programs do a lot of the work here. They are not the only options, just the ones this market asks for most.
Zero down USDA financing works across much of Elko County, including Spring Creek and many rural areas. Send Art the address and he checks it on the map.
DetailsZero down for qualifying veterans and active duty. The IRRRL streamline refinance usually needs no appraisal or income, though that is not guaranteed.
DetailsLow down payment and flexible credit, a solid option for many Elko buyers, including qualifying manufactured homes.
DetailsLow down payment paths, gift funds, and step by step guidance so a first purchase in Elko feels doable, not overwhelming.
Details“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.”
The classic path to homeownership.
DetailsFlexible on credit and down payment.
DetailsThe benefit earned by those who served.
DetailsZero down in eligible rural areas.
DetailsYour first set of keys, with Art as your guide.
DetailsNevada programs that help with your down payment.
DetailsFinancing for manufactured homes with land.
DetailsFrom blueprints to keys.
DetailsQualify without tax returns.
DetailsTurn your equity into flexibility.
DetailsBuy and renovate with one closing.
DetailsEquity that works for your retirement.
DetailsThe HECM reverse mortgage lets homeowners aged sixty-two and over turn home equity into retirement flexibility. It is the one program that deserves a real conversation, not a web page; HUD-approved counseling is always part of the process. Call Art directly for straight answers.
Call Art · 775-404-0006Do not see your situation? Call Art at 775-404-0006. Twenty-five years in this business means he has placed nearly everything, from rural homes to refinances. A pre-approval is not a Loan Estimate or a commitment to lend.
From the city of Elko and neighboring Spring Creek to Carlin, Wells, West Wendover, and the county’s rural areas, the region covers a wide price range and a lot of rural property. Knowing the area, and whether a property is rural, helps set the right price range and loan plan before you make an offer.
USDA loans offer 100 percent financing with zero down in eligible areas, and northeastern Nevada has far more eligible land than the big cities. Much of Elko County, including areas around Spring Creek, Carlin, and Wells, can qualify.
Roughly 99 percent of Nevada land remains USDA eligible. Because eligibility is decided at the exact address, the only way to know for sure is to check it.
Send Art the property address and he checks it on the USDA map in seconds, along with the program income limits, without pulling your credit until you decide.
Up to 5 percent toward down payment or closing costs on a 30 year fixed loan. Minimum credit 640, or 660 for a manufactured home. Income and price limits apply.
Up to 20,000 dollars in assistance for essential workers, with income and price limits and first come, first served funds.
Around 7,500 dollars in assistance for qualifying Nevada teachers.
Assistance for veterans and active duty service members buying in Nevada.
A Mortgage Credit Certificate can turn part of your mortgage interest into a federal tax credit.
A zero percent second loan option to help cover the down payment for eligible buyers.
Program terms, income caps and price limits change over time. Art confirms the current details and whether you qualify before you count on any of them.
Property taxes in Elko are set by the Elko County Assessor, based on assessed value and the local tax rate. Nevada caps the annual increase on owner occupied primary residences at 3 percent, which helps keep your payment predictable over time. Nevada also has no state income tax.
Rates vary by parcel and tax district, so for the exact figure on a specific home check the Elko County Assessor. Art also includes a realistic tax estimate in your monthly payment so there are no surprises at closing.
Art Loera has spent more than 27 years closing loans for Nevada families, with 315+ verified five-star reviews on Birdeye, Experience.com, and Google. As a PRMG Branch Manager he has access to a deep program matrix, and he understands how to document mining income, with overtime and rotations, and the rural loans the Elko market asks for.
The promise is simple: straight answers, a real strategy, and a lender who answers the phone. Licensed in Nevada (NMLS #367308) and serving clients nationwide through PRMG’s multi-state branch network.
USDA zero down in eligible rural areas, VA, FHA, conventional, first-time buyer, manufactured home, new construction, and reverse, plus Nevada down payment assistance. Art builds the path around your situation.
Very possibly. Much of Elko County, including areas around Spring Creek, Carlin, and Wells, can qualify for zero down USDA. Eligibility is decided at the exact address, so send it to Art and he will check it.
Usually yes. Overtime, bonus, and rotational income can count toward qualifying when there is a documented history. Art reviews your pay stubs and tax returns to use as much allowable income as possible.
Yes. Qualifying manufactured homes can be financed with FHA, USDA, VA, or conventional loans, which is common across rural Elko. Art confirms whether the home and lot meet the program requirements.
Elko is one of the more affordable Nevada markets compared with Reno or Las Vegas. Prices change, so ask Art for a current snapshot for your area and price range.
Yes. Art is bilingual and works with clients in English and Spanish from start to close.
Call 775-404-0006 or request a free callback on this page. A pre-approval is not a Loan Estimate or a commitment to lend, and submitting the form does not obtain credit approval.
Call Art at 775-404-0006 or request a free callback. Free guides, free calculators, and no signup ever. Art Loera, NMLS #367308.
Art Loera serves homebuyers and homeowners across Nevada and the Lake Tahoe region. Explore mortgage guidance for these nearby communities:
