Lake Tahoe • Nevada
Welcome to Lake Tahoe
Lake Tahoe • 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 luxury, second-home, and investment buyers around Lake Tahoe and Incline Village purchase and refinance with confidence.
Lake Tahoe is one of the most recognized luxury markets in the West, spread across the Nevada side (Incline Village, Crystal Bay, Zephyr Cove, and Glenbrook) and the California side (Tahoe City, Kings Beach, and South Lake Tahoe). Many purchases exceed conforming loan limits, which puts buyers into jumbo or high-balance territory. It is also a strong second-home and investment market, where vacation-rental income and cash flow matter as much as a credit score.
A first home in the basin, a lakefront second home, 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, including the California side of Tahoe, through PRMG’s multi-state branch network.
Lake Tahoe runs on luxury buyers, second-home owners, and vacation-rental investors, so these four programs do a lot of the work here. They are not the only options, just the ones this basin asks for most.
For prices above the conforming limit, common on lakefront homes and in Incline Village. Art confirms the current limit and builds the right jumbo structure.
DetailsConventional second-home financing for buyers who want a Tahoe getaway that is not an investment property. Clear occupancy rules from the start.
DetailsFor investors and the self-employed. DSCR qualifies on the property’s rent, and bank-statement loans use deposits instead of tax returns.
DetailsIn high-cost counties, high-balance conventional allows larger amounts on conventional terms before stepping up to jumbo. A solid fit for many Tahoe homes.
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.
DetailsFor homes above conforming limits.
DetailsThe middle ground between conforming and jumbo.
DetailsYour mountain or lake getaway.
DetailsQualify without tax returns.
DetailsLet your assets speak for you.
DetailsFlexible on credit and down payment.
DetailsThe benefit earned by those who served.
DetailsTurn your equity into flexibility.
DetailsFrom blueprints to keys.
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 structured nearly everything, from lakefront to vacation rental. A pre-approval is not a Loan Estimate or a commitment to lend.
From Incline Village and Crystal Bay on the Nevada side to South Lake Tahoe, Tahoe City, and Kings Beach on the California side, the basin covers a huge price range, from condos to lakefront estates. Knowing the area, and which side of the state line a property sits on, helps set the right price range and loan plan before you make an offer.
At Lake Tahoe, especially on lakefront property and in Incline Village, prices frequently exceed conforming loan limits, which moves the purchase into jumbo or high-balance territory. These loans handle larger amounts, and for business owners or investors there are bank-statement, asset-depletion, and DSCR options that qualify without traditional tax returns.
Lakefront homes, large lots on well and septic, and houses in fire-risk zones can add steps to the appraisal and to insurance. Knowing that early prevents surprises, which is why it is worth talking with Art before you write an offer.
Send Art the address and he reviews the county loan limit, the program path, and a realistic payment estimate, without pulling your credit until you decide.
A getaway for personal use qualifies as a second home, with conventional terms that are usually better than investment terms. Occupancy is defined up front.
If the property will be rented, a DSCR loan qualifies on the home’s rental cash flow instead of your personal income. Useful for vacation and long-term rentals.
For business owners, qualify on bank deposits instead of tax returns. A common path for self-employed Tahoe buyers.
Short-term rental rules vary by jurisdiction around the basin. Confirm the local rules before you count on rental income to qualify.
For buyers in the basin’s more accessible price ranges, Nevada down payment programs such as Home Is Possible may apply. Art confirms the current details and whether you qualify.
Which side of the state line a home sits on changes the tax picture. On the Nevada side (Incline Village, Crystal Bay, Zephyr Cove), there is no state income tax, and the annual property-tax increase on owner-occupied primary homes is capped at 3 percent. On the California side, Proposition 13 sets a base near 1 percent of the purchase value with limited annual increases, and a reassessment at sale.
Rates vary by parcel and county. For the exact figure, check the county Assessor, Washoe or Douglas in Nevada, Placer or El Dorado in California. Art 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 families across the West, 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, including the jumbo, second-home, and investor options the Tahoe market asks for often.
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, including the California side of Tahoe, through PRMG’s multi-state branch network.
Jumbo, high-balance, conventional, second home, DSCR and bank statement, asset depletion, FHA and VA where they apply, plus new construction, renovation, and reverse. Art builds the path around the price and the use of the property.
Yes. Art is personally licensed in Nevada (NMLS #367308) and serves clients nationwide, including the California side of Tahoe, through PRMG’s multi-state branch network.
Yes. A personal-use second home uses conventional terms, and a rental property can use a DSCR loan that qualifies on rental cash flow. Confirm local short-term rental rules before you count on that income.
Often. Many Tahoe homes, especially lakefront and in Incline Village, exceed the conforming limit and move to jumbo or high-balance. Art confirms the current county limit for your price range.
On the Nevada side there is no state income tax and the annual increase on primary homes is capped at 3 percent. In California, Proposition 13 sets a base near 1 percent with limited increases and reassessment at sale. For the exact figure, check the 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:
