Henderson • Nevada
Welcome to Henderson
Henderson • 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 Henderson families across Green Valley, Anthem and Seven Hills buy, move up, and refinance with confidence.
Henderson is the second largest city in Nevada and one of the most sought after places to live in the Southwest, known for master-planned communities and a family-friendly reputation. Per Las Vegas REALTORS and Redfin, the Henderson single family median ran roughly from the high 400,000s to around 530,000 dollars in early 2026, higher than the valley overall. Nevada charges no state income tax, which keeps drawing families from California. From Green Valley to Anthem to Lake Las Vegas, Art Loera helps people buy, move up, and refinance with a plan that actually closes.
Move-up home, first home, or a second home at the lake, 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.
Henderson runs on move-up families, luxury buyers, and second homes, 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.
The workhorse for Henderson families selling one home and buying a bigger one. Art lines up the timing and the equity so the purchase and the sale work together.
DetailsFor homes above the conforming limit. Common in MacDonald Highlands, Ascaya, Anthem Country Club, and Lake Las Vegas, where prices often cross into jumbo territory.
DetailsBuying a Henderson or Lake Las Vegas place to escape to? Second home financing has its own guidelines and down payment rules. Art will price it for you.
DetailsZero down for qualifying veterans and active duty, a great fit for Henderson and its many military retirees. The IRRRL streamline typically needs no appraisal or income, though that is not guaranteed.
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 established Green Valley to active-adult Sun City Anthem and the guard-gated luxury of MacDonald Highlands, Henderson covers a huge 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 rural areas. The catch in Henderson is location. USDA tightened its map effective October 1, 2023, which made the Henderson city limits, along with Las Vegas and North Las Vegas, ineligible.
Outlying parts of Clark County and nearby communities can still qualify, and roughly 99 percent of Nevada land remains eligible. Because eligibility is decided at the exact address, the only way to know 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.
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 Henderson are set by Clark County, 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 Clark 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.
Conventional, FHA, VA, jumbo, second home, bank statement and DSCR, new construction, manufactured home and reverse, plus Nevada down payment assistance. Art matches the program to your goal, whether you are moving up, buying your first home, or financing a luxury property.
Maybe. It depends on the price and the Clark County conforming limit. The 2026 FHA limit for Clark County is 541,287 dollars for a single family home, and higher priced communities like MacDonald Highlands, Ascaya and Anthem Country Club often cross into jumbo. Art will tell you whether your scenario is conforming or jumbo and price both.
Many Henderson buyers are moving up from another home. Art helps you line up the timing, understand your equity, and structure the financing so the purchase and the sale work together. Talk to him early so the plan is set before you list or write an offer.
Per Las Vegas REALTORS and Redfin, the Henderson single family median ran from the high 400,000s to around 530,000 dollars in early 2026, higher than the valley overall, with luxury communities well above. 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 Clark 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:
