Lamoille Canyon in the Ruby Mountains near Elko, Nevada. Elko home loans and mortgage pre-approval with Art Loera, PRMG.
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FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING
FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING

Osino

Elko · Nevada · with Art Loera, NMLS #367308

Own I-80 interchangeHumboldt River frontage countryTen minutes to ElkoHorse-friendly parcelsRailroad-era station name

Neighborhood detail is general and moves with the market. No rates, payments, or prices are shown here; ask Art for a full review.

Osino gathers along the Humboldt River a few miles east of Elko, a rural residential pocket at its own I-80 interchange where families keep horses and still make town in ten minutes.

Housing mixes site-built homes, manufactured homes on acreage, and river-bottom parcels; it is the classic close-in compromise between Elko convenience and country room.

Practical texture: river-adjacent parcels can carry flood-zone determinations that change insurance math, and manufactured titles must be handled correctly. Art checks both before you commit. Much of Elko County commonly maps to USDA-eligible territory; Art confirms eligibility for the exact address before you count on it.

For buyers wanting acreage minutes from Elko paychecks, Osino is the shortcut. Ask Art for a current read on the market before you write an offer.

“Flood zones and manufactured titles trip up out-of-town lenders. They do not trip me.”
Art Loera · Reno resident since 1988

The railroad and the river route through Osino long predate the interstate; the name marks a canyon station stop on the Humboldt line.

When I-80 got its own Osino interchange, the flats became small-acreage home country for Elko workers, and that is exactly what it remains.

Landmarks Nearby
Close-in acreage valueFlood-zone aware lendingSite-built and manufactured mix

Programs That Fit Here

Schools: Elko County School District · verify current zoning by address

Getting Around
Own I-80 interchangeTen minutes to ElkoHumboldt River frontageRail line alongside

Where It Sits

RUBY MTNSE HUMBOLDTSI-80US 93HUMBOLDT RIVERSR 227TO IDAHO / JACKPOTTO UTAHELKOOSINO

Schematic map · boundaries approximate

Get Pre-Approved →Call · 775-404-0006

More Elko Neighborhoods

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Not a Loan Estimate, not a commitment to lend. Submitting this form does not obtain credit approval. NMLS #367308 · PRMG NMLS #75243 · Licensed in Nevada · Equal Housing Lender.
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