Fernley • Nevada
Welcome to Fernley
Fernley • 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 families, veterans, and government employees in Fernley and the surrounding Lyon County purchase and refinance with confidence.
Fernley is Nevada’s capital, a steady northern Nevada market anchored by state government and an easy drive to Reno and Lake Tahoe. Per Sierra Nevada REALTORS and Redfin, the Fernley single family median ran in the low to mid 500,000s in early 2026, in a balanced market. Nevada charges no state income tax, which keeps drawing families from California. From the older parts of town to the newer subdivisions and out along the I-80 corridor, Art Loera helps people buy and refinance with a plan that actually closes.
First home, move-up, or refinance, the goal is the same: a clear plan, honest numbers, and a real human who answers the phone. Art is personally licensed in Nevada (NMLS #367308) and serves clients nationwide through PRMG’s multi-state branch network.
Fernley runs on I-80: distribution and warehouse jobs at the Victory Logistics District, plus Reno commuters stretching their budget further east. 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 for qualifying veterans and active duty. A natural fit for the many veterans and military retirees who choose Fernley. The IRRRL streamline typically needs no appraisal or income, though that is not guaranteed.
DetailsThe everyday choice for buyers with steady income, whether you work in Fernley or commute the I-80 corridor. Competitive terms and a clear path to close.
DetailsZero down USDA financing can work in eligible areas around Fernley and out in Silver Springs and Stagecoach. Send Art the address and he will check it.
DetailsLow down payment paths, gift funds, and step by step guidance so a first purchase in Fernley 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.
DetailsFor homes above conforming limits.
DetailsQualify without tax returns.
DetailsYour mountain or lake getaway.
DetailsNevada programs that help with your down payment.
DetailsTurn your equity into flexibility.
DetailsBuy and renovate with one closing.
DetailsFinancing for manufactured homes with land.
DetailsFrom blueprints to keys.
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 almost everything. VA loans, including the IRRRL streamline, typically need no appraisal or income documentation, though that is not guaranteed. DSCR loans qualify on the property cash flow rather than your personal income. No rate is ever promised before a full review.
From the original 1904 townsite to the newer subdivisions on Fernley’s west and north sides, plus the outlying towns across Lyon County, the area covers a wide price range. Knowing the area helps set the right price range and loan plan before you write an offer.
USDA loans offer 100 percent financing with zero down for eligible areas, and northern Nevada has more eligible ground than the big metros. Parts of the Fernley area, along with Silver Springs, Stagecoach, and much of rural Lyon County, can qualify.
Roughly 99 percent of Nevada land remains USDA eligible, and the ground around Fernley keeps more of that eligibility than most areas this close to Reno. 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 will check it on USDA’s map in seconds. 2026 USDA income limits are 119,850 dollars for a 1 to 4 person household and 158,250 dollars for 5 to 8, with no set maximum loan amount.
Fernley grew fast, and it shows in the mix: established streets near the old downtown, newer subdivisions off Farm District Road, and acreage properties toward Silver Springs and Stagecoach. Each of those brings its own questions about wells, septic systems, HOAs, or none of the above.
Art has watched Fernley grow from a quiet stop on I-80 into a full commuter town of its own in northern Nevada. Buyers coming out from Reno and workers at the industrial parks get a conversation grounded in how this market actually behaves.
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 funding.
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 Fernley are set by the Lyon 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.
Rates vary by parcel and tax district, so for the exact figure on a specific home, check the Lyon County Assessor. Art will also fold a realistic tax estimate into 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 plus verified five-star reviews across Birdeye, Experience.com and Google. As a PRMG Branch Manager he has access to a deep program matrix, and as a bilingual lender he works with you in English or Spanish from the first call to the closing table.
The promise is simple: straight answers, a real strategy, and a lender who picks up the phone. Licensed in Nevada (NMLS #367308) and serving clients nationwide through PRMG’s multi-state branch network.
VA, conventional, FHA, USDA in eligible nearby areas, jumbo, bank statement and DSCR, new construction, manufactured home and reverse, plus Nevada down payment assistance. Art matches the program to your situation, including options for government employees and veterans.
Yes. Fernley and Lyon County are home to many veterans, I-80 commuters, and working families. VA offers zero down for those who qualify, and the IRRRL streamline typically needs no appraisal or income, though that is not guaranteed. Conventional and FHA also fit stable government income well.
Possibly. Parts of the Fernley area and much of Fernley along with Silver Springs and Stagecoach can qualify for USDA zero down. Eligibility is by exact address, so send Art the address and he will check it on USDA map.
Per Sierra Nevada REALTORS and Redfin, the Fernley single family median ran in the low to mid 500,000s in early 2026. Prices move, so ask Art for a current snapshot for your target area.
They are based on assessed value and the local rate, and Nevada caps annual increases on owner occupied primary homes at 3 percent. For the exact rate on a property, check the Lyon County Assessor.
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:
