Refinance • Reno & Tahoe
Make Your Mortgage Work For You
Refinance • Reno & Tahoe • Since 1999
ART LOERA
When Other Lenders Say No,
Art Finds a Way
Art Finds a Way
🇲🇽 Hablamos Español
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.”
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.
Every situation is different. Whether it is financial, strategic, or a major life change, there is almost always a path. Art will find it.
Even 0.5% lower on a $400K loan saves $100+ per month. That is real money back in your pocket.
Restructure your loan to breathe easier every month without changing your lifestyle.
Home values have risen. You may already have 20% or more equity and not know it. One call ends PMI.
Pay off credit cards and car loans at mortgage rates. Usually the smartest math available.
If your adjustable rate is resetting soon, lock in a fixed rate before costs rise further.
Move from 30 to 15 years. Save tens of thousands in interest. Build equity dramatically faster.
Reno and Tahoe values have climbed. Turn your equity into the renovation you have been waiting for.
Pull equity from your primary home to fund a down payment on your next investment.
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.
Divorce, separation, or death of a spouse, Art can remove someone from your loan, often without a full appraisal.
Remove mortgage insurance permanently once you have sufficient equity and credit strength.
Art works with a program that can lower your student loan payments and improve your DTI simultaneously.
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.
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.
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.
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.
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.
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:
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.
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.
Refinance for more than you owe and receive the difference in cash. Home improvements, debt payoff, investments, your equity, your call.
If your home has appreciated and you now have 20% or more equity, refinancing can eliminate PMI permanently, saving $150 to $300 per month.
If your adjustable rate is approaching a reset, lock into a fixed rate now. Predictable payments, no surprises, no rate anxiety.
Moving from 30 to 15 years can save tens of thousands in total interest, and sometimes the monthly payment barely changes.
Closing costs covered via a slight rate adjustment. No cash needed at closing. The right move for homeowners who want savings without upfront costs.
Roll high-interest credit cards, car loans, and personal loans into your mortgage. Usually the lowest combined rate available anywhere.
For high-value homes in Incline Village, South Lake Tahoe, and luxury Reno. Competitive rates and flexible terms on loans above conforming limits.
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 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.
Art works with a specialized program that can restructure your student loan payments, lowering your monthly obligation and improving your debt-to-income ratio.
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.
Educators, healthcare workers, and first responders may qualify for special pricing and closing cost credits. Reno's heroes deserve more.
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.
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.
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.
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.
Enter your current loan details and a target rate to see your monthly savings and months until closing costs are recovered.
Real answers to the questions Reno and Tahoe homeowners ask Art before they refinance. If yours is not here, call.
Question not on this list? Call Art directly.
Call Art: 775-404-0006"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
Three quick questions. No email, no signup.Tres preguntas rápidas. Sin correo, sin registro.
Question 1 of 3Pregunta 1 de 3
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.