Your Mortgage Should
Work For You,
Not Against You
In 27+ years, Art has closed loans that other lenders gave up on. New job, dropped credit, complex income, hard money, underwater, if there is a path, Art will find it. And if there is not one today, he will tell you exactly how to get there. No matter who your current lender is, one call to Art changes everything.
“I believe a mortgage loan must be a clear and educated decision. Everything on this site is free, in English and Spanish: guides, calculators, programs, and Important Numbers. No closed doors, no signup, no catch.”
Run the Numbers Yourself,
Before You Call Art
Use these calculators and tools to see if a refinance makes sense for your situation. When you are ready for exact numbers tailored to your loan, call Art.
13 Reasons Reno &
Tahoe Homeowners Call Art
Every situation is different. Whether it is financial, strategic, or a major life change, there is almost always a path. Art will find it.
Financial Wins
Lower Your Interest Rate
Even 0.5% lower on a $400K loan saves $100+ per month. That is real money back in your pocket.
Reduce Your Monthly Payment
Restructure your loan to breathe easier every month without changing your lifestyle.
Eliminate PMI Forever
Home values have risen. You may already have 20% or more equity and not know it. One call ends PMI.
Consolidate High-Interest Debt
Pay off credit cards and car loans at mortgage rates. Usually the smartest math available.
Convert ARM to Fixed
If your adjustable rate is resetting soon, lock in a fixed rate before costs rise further.
Build Wealth Faster
Shorten Your Loan Term
Move from 30 to 15 years. Save tens of thousands in interest. Build equity dramatically faster.
Access Equity for Home Improvements
Reno and Tahoe values have climbed. Turn your equity into the renovation you have been waiting for.
Fund an Investment Property
Pull equity from your primary home to fund a down payment on your next investment.
Escape a Hard Money Loan
Paying 10 to 14 percent on a short-term loan? Art may be able to pull you into a real mortgage and save thousands per month.
Life Changes
Remove a Co-Borrower
Divorce, separation, or death of a spouse, Art can remove someone from your loan, often without a full appraisal.
Switch FHA to Conventional
Remove mortgage insurance permanently once you have sufficient equity and credit strength.
Restructure Student Loan Debt
Art works with a program that can lower your student loan payments and improve your DTI simultaneously.
Improve Cash Flow Before Retirement
Reduce your monthly obligations so your retirement income goes further every single month.
If you have an FHA, VA, or USDA loan, you may qualify to lower your rate with no appraisal, no paystubs, and no tax returns required. Most clients are surprised they qualify. It does not matter who your current lender is. Art can process your Express Refi regardless of your servicer, and he will move fast.
Express Refi, FHA
The most widely used Express Refi track. If your current mortgage is FHA-backed, you may qualify for a lower rate with virtually no paperwork, regardless of your credit score or current home value. Even if you are underwater, this works.
How the FHA Streamline Works
- Your current loan must already be FHA
- Reduced paperwork and often no appraisal required
- Your on-time payment history does the heavy lifting
Express Refi, VA
The VA Interest Rate Reduction Refinance is one of the most powerful refinance tools available. Veterans deserve more, and Art makes sure you get every benefit you have earned. Fast, low-doc, and usually zero out-of-pocket.
Inside the VA IRRRL
- Your current loan must already be a VA loan
- Streamlined documentation, often without a new appraisal
- A reduced funding fee applies to this program
Express Refi, USDA
The USDA Streamlined Assist is the easiest refinance program in existence. Zero income verification, zero credit check, zero appraisal, full stop. If you have a USDA loan, this is a phone call that pays for itself instantly.
USDA Streamlined Assist Basics
- Requires an existing USDA loan with recent on-time payments
- No appraisal or credit review in most cases
- The home must remain your primary residence
The Fresh Start Refi
Going through a divorce? Lost a co-borrower? You may be able to remove someone from your loan and keep your home without a full appraisal.
Credit-Qualifying Express Refi
When the remaining borrower can qualify on their own income and credit, Art can remove a departing co-borrower from your FHA, VA, or USDA loan. No appraisal still required in most cases. Art will determine which track is right for your exact situation on the first call.
Common situations Art handles:
When Credit-Qualifying Applies
- Removing a co-borrower after divorce or life changes
- You qualify on your own income and credit
- Art maps the documentation before you commit
16 Refinance Programs.
One Call to Art.
Most lenders in Reno offer 4 to 6 programs. Art has 16, including three programs exclusive to clients who work with him. If there is a path, Art will find it.
Rate & Term Refinance
Replace your existing loan with a better rate when pricing allows, a different term, or both. Often the most straightforward path to a lower payment.
What Art Checks First
- Your current rate, term, and how long you plan to stay
- Break-even math on closing costs, in plain English
- Whether waiting could serve you better; you get the honest answer
Cash-Out Refinance
Refinance for more than you owe and receive the difference in cash. Home improvements, debt payoff, investments, your equity, your call.
Before You Pull Equity
- Lenders cap how much equity you can access
- Funds can work for renovations, debts, or investments
- Art compares cash-out against a HELOC for your case
Conventional / PMI Removal
If your home has appreciated and you now have 20% or more equity, refinancing can eliminate PMI permanently, saving $150 to $300 per month.
The PMI Removal Path
- A new appraisal documents your equity position
- Enough equity may remove monthly mortgage insurance
- Art runs the numbers before you spend anything
ARM to Fixed Conversion
If your adjustable rate is approaching a reset, lock into a fixed rate now. Predictable payments, no surprises, no rate anxiety.
Timing Your ARM Exit
- Know your reset date and your adjustment caps
- A fixed rate trades flexibility for certainty
- Art reviews your note so nothing surprises you
15-Year Term Refinance
Moving from 30 to 15 years can save tens of thousands in total interest, and sometimes the monthly payment barely changes.
Is a Shorter Term Right for You?
- Higher payment, faster equity, less total interest
- Works best with stable income and healthy reserves
- Art models it against extra payments on your current term
No-Cost Refinance
Closing costs covered via a slight rate adjustment. No cash needed at closing. The right move for homeowners who want savings without upfront costs.
How No-Cost Really Works
- Closing costs are covered through the pricing, not erased
- Makes sense when you may move or refinance again
- Art shows you both versions side by side
Debt Consolidation Refi
Roll high-interest credit cards, car loans, and personal loans into your mortgage. Usually the lowest combined rate available anywhere.
Consolidating With Eyes Open
- You trade unsecured debt for debt secured by your home
- Discipline matters; paid-off cards can refill
- Art builds the full before-and-after picture with you
Jumbo Refinance
For high-value homes in Incline Village, South Lake Tahoe, and luxury Reno. Competitive rates and flexible terms on loans above conforming limits.
Jumbo Refi Notes
- Amounts above conforming limits need deeper files
- Reserves and documentation carry extra weight
- Art knows Tahoe and Incline lending inside and out
Hard Money Exit Refi
Stuck paying 10 to 14 percent on a hard money or bridge loan? Art specializes in pulling investors and homeowners out of expensive short-term financing into real long-term mortgages. Save thousands per month.
Your Exit Plan
- Loan seasoning and property condition drive the timeline
- Full documentation replaces bridge-loan pricing
- Art builds the exit before the balloon comes due
Bank Statement / No-Doc
Your tax returns do not tell the whole story. If you are self-employed in Reno, Art can qualify you using 12 to 24 months of bank statements, no W-2s required.
Qualifying Without Tax Returns
- Your bank statements tell your income story
- Built for the self-employed and business owners
- Expect pricing that differs from full-documentation loans
Student Loan Restructure Refi
Art works with a specialized program that can restructure your student loan payments, lowering your monthly obligation and improving your debt-to-income ratio.
How the Conversation Starts
- A consultation maps your student debt against your equity
- Not a fit for everyone; Art says so when it is not
- Bring your servicer statements to the first call
Client Loyalty Program
If Art has helped you before, you may qualify for preferred refinance rates not available to the general public. Loyalty works both ways, call Art to find out if you qualify.
Returning Client Advantages
- Your file history shortens the process
- Preferred handling on documentation and timing
- One call and Art pulls your prior file
Heroes Program
Educators, healthcare workers, and first responders may qualify for special pricing and closing cost credits. Reno's heroes deserve more.
Who the Heroes Program Serves
- Educators, healthcare workers, first responders, and military
- Availability varies; Art confirms whether you fit
- Proof of profession speeds everything up
FHA to Conventional Upgrade
FHA loans carry mortgage insurance for the life of the loan in many cases. Once you have sufficient equity and credit, switching to conventional eliminates MIP forever.
Dropping FHA Mortgage Insurance
- FHA mortgage insurance often lasts the life of the loan
- Enough equity plus solid credit may end it
- Art checks whether the switch truly clears in your favor
Investment Property Refi
Refinance your rental property using the property's cash flow, not your personal income. DSCR loans qualify based on rent collected, ideal for investors with complex tax returns.
DSCR Refi Basics
- The property’s rent coverage does the qualifying
- Personal tax returns typically stay out of it
- Works for a single rental or a growing portfolio
Reverse Mortgage Refi
For homeowners 62 and older, convert your home equity into tax-free income or eliminate your monthly mortgage payment entirely. Art will walk you through every detail honestly.
HECM: The Clear Facts
- HUD-approved counseling is required before anything moves
- You still pay taxes, insurance, and upkeep
- The loan is repaid when the home is sold or vacated
Most lenders follow a checklist. Art follows your situation. In 27+ years, he has closed loans that banks, credit unions, and other mortgage companies gave up on. If you have heard "no" before, call Art. The conversation is free. The answer might surprise you.
"Other lenders told me I shouldn't refinance because I'm moving soon."
You do not need a 30-year commitment to save money now. If current ARM pricing beats your rate today, Art can put you in an Adjustable Rate Mortgage, capture the savings while they last, and sell before any adjustment kicks in. No break-even problem, and potentially a lower payment until you move.
"My bank said my score is too low to refinance right now."
A dropped score is often a symptom, not a dead end. Art can explore a cash-out refinance to consolidate high-interest debt, which simultaneously lowers your DTI and gives you the runway to rebuild your score. Art will also map out exactly what needs to happen to get you to the rate you deserve.
"Every lender I called said they can't do my loan because I just changed jobs."
Art has been doing these loans for 27+ years, even when others said it could not be done. New job situations have nuances most loan officers never learn. Same field, promotion, higher income, Art knows the guidelines and the paths. Call him before you assume the answer is no.
"I've been paying for 18 years. I was told refinancing would reset the clock and cost me more."
Not with the right strategy. Art can refinance you into a shorter remaining term, at a lower rate when pricing allows, sometimes eliminating PMI in the process. You may end up paying less per month AND paying the home off faster. The clock does not have to reset. Call Art and run the real numbers.
Does Refinancing
Make Sense for You?
Enter your current loan details and a target rate to see your monthly savings and months until closing costs are recovered.
Refinance Questions
Art Hears Every Week
Real answers to the questions Reno and Tahoe homeowners ask Art before they refinance. If yours is not here, call.
Will refinancing hurt my credit score?
How long does a refinance take from start to close?
What if my home value dropped since I bought it?
Can I refinance to remove my ex from the mortgage after a divorce?
I lost my job recently. Am I out of options?
I owe more on my home than it is worth. Am I stuck?
What is an FHA Streamline Refinance and do I qualify?
Can I refinance without an appraisal?
Question not on this list? Call Art directly.
Call Art: 775-404-0006What Reno & Tahoe
Homeowners Are Saying
"My bank never once called me about refinancing in 6 years. Art called me, ran my numbers in 10 minutes, and saved me $280 a month. I did not even know I could do a streamline. Closed in 21 days."
"Every lender I called said no because I had just started a new job. Art closed my loan in 30 days. He knew exactly what to do when everyone else gave up."
"I was in a hard money loan at 12 percent and thought I was stuck. Art found a way out in 30 days. I went from $4,200 per month to $2,600 per month. That is not a refinance, that is a rescue."
60-Second Fit CheckChequeo de 60 Segundos
Should you refinance? Find out.¿Debería refinanciar? Averígüelo.
Three quick questions. No email, no signup.Tres preguntas rápidas. Sin correo, sin registro.
Question 1 of 3Pregunta 1 de 3
What’s your main refinance goal?¿Cuál es su meta principal al refinanciar?
Roughly, what’s your current rate?Aproximadamente, ¿cuál es su tasa actual?
What’s your home worth, roughly?¿Cuánto vale su casa, aproximadamente?
Based on your answers, this is worth a real conversation. Art will run your exact numbers and tell you honestly if it makes sense. No pressure, and no rate quotes over the internet.Según sus respuestas, esto vale una conversación real. Art calculará sus números exactos y le dirá con honestidad si tiene sentido. Sin presión, y sin cotizaciones de tasa por internet.
See my options with ArtVer mis opciones con Art Or call 775-404-0006O llame al 775-404-0006
Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.