Las Vegas Mortgages,
Built to Get You Approved
🇲🇽 Hablamos Español.
27+ years of experience. 317+ five-star reviews. Art Loera helps Las Vegas buyers and investors across Clark County purchase, invest, and refinance with confidence.
Las Vegas metro area: housing numbers, August 2026
Source: Realtor.com via FRED and Redfin, August 2026. Listing and sales data for the Las Vegas metro area, updated monthly.
Why Las Vegas
Las Vegas is the move most people picture when they hear Nevada: the paycheck lands on the Strip, at a hospital, on an air base or in a warehouse near the airport, and the house is in a neighborhood across the valley. The valley is big enough that where you work should decide where you look, and that is the first thing Art asks.
Art is licensed statewide and has closed Nevada loans since 1999, Clark County included, in English and in Spanish. Most of his Las Vegas first calls start with an offer letter and a moving date, so what follows is built for that call.
The paycheck
Hospitality and entertainment still anchor the valley, and healthcare, logistics around Harry Reid International Airport, and Nellis and Creech Air Force Bases add payrolls that do not follow the tourist calendar. The construction wave includes the Athletics ballpark on the Strip and Brightline West high-speed rail. In most cases an accepted offer letter is enough to open the pre-qualification, so the loan file moves before the first paycheck lands.
The math
Nevada has no state income tax, which changes the take-home number the moment you change your address. Property tax on an owner occupied primary residence is capped at a 3 percent annual increase, so the payment stays predictable. HOA dues are common in the master-planned communities, so Art folds a real tax estimate and the HOA into the monthly figure before you write an offer, not after.
The life
Warmer winters and no snow on the driveway. Harry Reid International Airport puts the family you left a direct flight away, UNLV and the medical district are in town, and Red Rock Canyon, Lake Mead and Mount Charleston are day trips, not vacations. For a lot of families the move is less about the Strip and more about a backyard that works twelve months a year.
The relocation guide covers approximate commute times from the job corridors, what an offer letter needs to show, and a 90 day timeline. Read the full guide here, free like everything else on this site. Not sure which part of the valley fits? Start with the area guides.
Buying, Investing, or Refinancing in Las Vegas?
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.
Programs That Fit This Market
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.
DSCR Investor
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.
DetailsDSCR at a Glance
- Rental income qualifies you
- No tax returns or W-2s needed
- Investors & LLCs welcome
Jumbo
For homes above the conforming limit. Common in Summerlin, The Ridges, and Southern Highlands, where prices often cross into jumbo territory.
DetailsJumbo at a Glance
- For amounts above conforming limits
- Ideal for luxury & high-rise homes
- Multiple term options available
Second Home
Buying a Las Vegas place to escape to? Second home financing has its own guidelines and down payment rules. Art will price it for you.
DetailsSecond Home at a Glance
- For vacation & part-time residences
- Conventional & jumbo paths available
- Ask Art about occupancy guidelines
VA
Zero 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.
DetailsVA at a Glance
- Zero down payment required
- No monthly mortgage insurance
- Veterans, active duty & eligible spouses
317+ Five-Star Reviews
from Real Reno & Tahoe Families
“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 Full Program Menu
Conventional
The classic path to homeownership.
DetailsConventional at a Glance
- As little as 3% down
- PMI can drop at 20% equity
- Fannie Mae / Freddie Mac backed
FHA
Flexible on credit and down payment.
DetailsFHA at a Glance
- 3.5% minimum down payment
- Credit scores from 580+ accepted
- Gift funds allowed for down payment
VA
The benefit earned by those who served.
DetailsVA at a Glance
- Zero down payment required
- No monthly mortgage insurance
- Veterans, active duty & eligible spouses
Jumbo
For homes above conforming limits.
DetailsJumbo at a Glance
- For amounts above conforming limits
- Ideal for Lake Tahoe & Nevada luxury properties
- Multiple term options available
DSCR & Bank Statement
Qualify without tax returns.
DetailsDSCR & Bank Statement at a Glance
- Rental income or bank statements qualify
- No tax returns or W-2s needed
- Investors & self-employed welcome
Second Home
Your mountain or lake getaway.
DetailsSecond Home at a Glance
- For vacation & part-time residences
- Conventional & jumbo paths available
- Ask Art about occupancy guidelines
Down Payment Help
Nevada programs that help with your down payment.
DetailsDown Payment Help at a Glance
- Up to 5% purchase assistance
- Grants & forgivable options
- Great for first-time buyers
HELOC & Home Equity
Turn your equity into flexibility.
DetailsHELOC & Home Equity at a Glance
- Tap your equity without touching your current mortgage
- Flexible credit line or a single lump sum
- Popular for renovations & debt consolidation
FHA 203(k) Renovation
Buy and renovate with one closing.
DetailsFHA 203(k) at a Glance
- Buy & renovate with one loan, one closing
- Renovation costs roll into the loan
- Limited & Standard versions by project size
Manufactured Home
Financing for manufactured homes with land.
DetailsManufactured Home at a Glance
- FHA, VA & conventional paths for qualifying homes
- Home-with-land packages available
- Permanent foundation & title reviewed up front
New Construction
From blueprints to keys.
DetailsNew Construction at a Glance
- End loans when the builder funds the build
- Extended lock options while your home is built
- New subdivisions across Nevada welcome
Reverse (HECM)
Equity that works for your retirement.
DetailsReverse (HECM)
The 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.
Las Vegas Valley Neighborhoods
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 Zero Down Around Las Vegas
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.
Nevada Down Payment Programs
Home Is Possible (HIP)
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.
Worker Advantage
Up to 20,000 dollars in assistance for essential workers, with income and price limits and first come, first served funding.
HIP for Teachers
Around 7,500 dollars in assistance for qualifying Nevada teachers.
HIP for Heroes
Assistance for veterans and active duty service members buying in Nevada.
MCC
A Mortgage Credit Certificate can turn part of your mortgage interest into a federal tax credit.
Home First
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 Clark County
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.
A Nevada Specialist Since 1999
Art Loera has spent more than 27 years closing loans for Nevada families and investors, with 317 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.
Las Vegas Mortgage Questions
What mortgage programs are available in Las Vegas?
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.
Can I get a DSCR loan for a Las Vegas 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.
Will I need a jumbo loan in Las Vegas?
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.
How much do homes cost in Las Vegas?
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.
How are property taxes figured in Clark County?
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.
Do you speak Spanish?
Yes. Art is bilingual and works with clients in English and Spanish from start to close.
How do I get pre-approved with Art?
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.
Helpful Nevada Links
Ready to Talk About Las Vegas?
Call Art at 775-404-0006 or request a free callback. Free guides, free calculators, and no signup ever. Art Loera, NMLS #367308.
Nearby markets across Nevada and Lake Tahoe
Art Loera serves homebuyers and homeowners across Nevada and the Lake Tahoe region. Explore mortgage guidance for these nearby communities:
