Reno Mortgages,
Built to Get You Approved

Why Reno

Most people who call Art about Reno are not browsing. They have a start date, a spouse asking about schools, and a lease in another state that ends soon. Reno works for that kind of move because the pieces are close together: the jobs, the neighborhoods, the airport and the lake are all within a normal drive of each other.

Art has lived in Reno since 1988 and closed Nevada loans since 1999, in English and in Spanish, so what follows is what he tells relocating buyers on the first call.

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 town fits? Start with the area guides.

Buying or Refinancing in Reno?

Reno is northern Nevada’s largest city, a steady market anchored by logistics, technology and the University of Nevada, with Lake Tahoe under an hour away. Per Sierra Nevada REALTORS and Redfin, the Reno single family median ran in the low to mid 500,000s in early 2026, in a balanced market. Nevada charges no state income tax, which keeps drawing families from California. From the historic Old Southwest to Somersett and out to Spanish Springs, Art Loera helps people buy and refinance with a plan that actually closes.

First home, move-up, or refinance, 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

Reno runs on a wide mix of paychecks: the university, the hospitals, hospitality, and the tech and logistics employers growing east of town, plus plenty of veterans and first-time buyers. These four programs do a lot of the work here. They are not the only options, just the ones this market asks for most.

The Full Program Menu

Do 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.

Reno & Truckee Meadows Areas

From the historic west side to newer subdivisions in north and east Reno, plus nearby Spanish Springs and Sparks, the area covers a wide price range. Knowing the area helps set the right price range and loan plan before you write an offer.

USDA Zero Down Around Reno

USDA loans offer 100 percent financing with zero down for eligible areas, and northern Nevada has more eligible ground than the big metros. Parts of outlying areas near Reno such as Cold Springs, Sun Valley, and Washoe Valley can qualify.

Roughly 99 percent of Nevada land remains USDA eligible, and while core Reno addresses generally sit outside the map, eligible ground starts closer than most people expect. Because eligibility is decided at the exact address, the only way to know for sure 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.

Reno Neighborhoods Art Knows

Reno is a collection of very different neighborhoods, and the right conversation changes with the address. Midtown and the University district move differently than Somersett, Damonte Ranch, or South Meadows. Older northwest Reno streets raise different questions than new construction in Spanish Springs or the North Valleys.

Art has lived in Reno since 1988. That matters because the mortgage conversation is easier when your lender already knows the area you are writing an offer in, from the flood history near the Truckee to the HOA patterns in the newer master-planned communities.

Nevada Down Payment Programs

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 Reno

Property taxes in Reno are set by the Washoe 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 over time.

Rates vary by parcel and tax district, so for the exact figure on a specific home, check the Washoe 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, 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.

Reno Mortgage Questions

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