Las Vegas • Nevada
Welcome to Las Vegas
Las Vegas • 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 Las Vegas buyers and investors across Clark County purchase, invest, and refinance with confidence.
Las Vegas is the largest housing market in Nevada and one of the fastest growing in the West. Per Las Vegas REALTORS, the valley single family median sat in the high 400,000s in early 2026, in a balanced market with rebuilt inventory. Nevada charges no state income tax, which keeps drawing buyers and investors from California and across the country. From Summerlin to Southern Highlands to North Las Vegas, Art Loera helps people buy, invest, and refinance with a plan that actually closes.
Primary home, vacation property, or rental, 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.
Las Vegas runs on investors, second home buyers, and move-up 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.
Qualify on the property cash flow, not your personal income. A common fit for Las Vegas rentals and short-term rental buyers building a portfolio.
DetailsFor homes above the conforming limit. Common in Summerlin, The Ridges, and Southern Highlands, where prices often cross into jumbo territory.
DetailsBuying a 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, including the Nellis and Creech communities. 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 master-planned Summerlin to affordable North Las Vegas and the guard-gated luxury of The Ridges, the valley 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 the Las Vegas Valley is location. USDA tightened its map effective October 1, 2023, which made the Las Vegas, North Las Vegas, and Henderson city limits 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 Las Vegas 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 and investors, 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, DSCR and bank statement, second home, new construction, manufactured home and reverse, plus Nevada down payment assistance. Art matches the program to your goal, whether it is a primary home, a vacation place, or a rental.
Yes. A DSCR loan qualifies on the property cash flow rather than your personal income, which fits many Las Vegas investors and short-term rental buyers. Terms depend on the property and the rents. Ask Art for a scenario on a specific address.
It depends on the price and the Clark County conforming limit. Higher priced areas like Summerlin, The Ridges and Southern Highlands often cross into jumbo. Art will tell you whether your scenario is conforming or jumbo and price both.
Per Las Vegas REALTORS, the valley single family median was in the high 400,000s in early 2026, with North Las Vegas more affordable and Summerlin and the luxury market higher. 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:
