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27+ years of experience. 315+ five-star reviews. Art Loera helps first-time buyers, military families near Nellis, and new-construction buyers in North Las Vegas purchase and refinance with confidence.
North Las Vegas is one of the fastest-growing cities in Nevada, with housing more affordable than much of the valley and many newer master-planned communities like Aliante, Park Highlands, and the Villages at Tule Springs. It is a strong market for first-time buyers, families, and military near Nellis Air Force Base, where down payment assistance, FHA and VA loans, and Spanish-language service do a lot of the work.
A first home, a new build, 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 through PRMG’s multi-state branch network.
North Las Vegas runs on first-time buyers, military families near Nellis, and new communities, 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.
Zero down for qualifying veterans and active duty, a natural fit near Nellis Air Force Base. The IRRRL streamline refinance usually needs no appraisal or income, though that is not guaranteed.
DetailsLow down payment and flexible credit, one of the most common paths for North Las Vegas buyers, and it pairs well with down payment assistance.
DetailsThe everyday choice for buyers with steady income. Competitive terms and, with 20 percent down, no monthly mortgage insurance.
DetailsLow down payment paths, gift funds, and step by step guidance so a first purchase in North Las Vegas 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.
DetailsYour first set of keys, with Art as your guide.
DetailsNevada programs that help with your down payment.
DetailsFrom blueprints to keys.
DetailsQualify without tax returns.
DetailsTurn your equity into flexibility.
DetailsBuy and renovate with one closing.
DetailsFinancing for manufactured homes with land.
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 nearly everything, from new construction to refinances. A pre-approval is not a Loan Estimate or a commitment to lend.
From Aliante and Park Highlands to Eldorado, Valley Vista, and downtown North Las Vegas, the city ranges from newer master-planned communities to established neighborhoods. Knowing the area helps set the right price range and loan plan before you make an offer.
North Las Vegas has some of the fastest-growing new communities in the valley, including Aliante, Park Highlands, the Villages at Tule Springs, and Valley Vista. Buying a new build has its own rhythm, with deposits, construction timelines, and sometimes builder incentives.
You are not required to use the builder’s preferred lender. An independent lender like Art can compete for your loan, and it is worth weighing a builder incentive against a better loan structure before you commit.
Send Art the community details and timeline and he builds a plan that fits the construction schedule, without pulling your credit until you decide.
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 funds.
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 North Las Vegas are set by the Clark 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. Nevada also has no state income tax.
Rates vary by parcel and tax district, so for the exact figure on a specific home check the Clark County Assessor. Art also 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 Nevada families, 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, knows down payment assistance and new construction, and as a bilingual lender he works start to finish in English and Spanish.
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 through PRMG’s multi-state branch network.
FHA, VA, conventional, first-time buyer, new construction, manufactured home, and reverse, plus Nevada down payment assistance. Art builds the path around your situation, including options for military near Nellis.
Yes. Nevada programs such as Home Is Possible can offer up to 5 percent toward down payment and closing costs, with options for essential workers, teachers, and veterans. Income and price limits apply, and Art confirms whether you qualify.
Yes. FHA allows a low down payment, VA and some options offer zero down for those who qualify, and assistance programs can cover part of the down payment. Gift funds are also allowed in many cases.
No. You are not required to use the builder’s preferred lender. Art can finance new construction, and it is worth comparing a builder incentive against a better loan structure.
North Las Vegas is often more affordable than much of the Las Vegas valley. Prices change, so ask Art for a current snapshot for your area and price range.
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:
