Reno • Nevada
Welcome to Reno
Reno • Nevada • Since 1999
ART LOERA
Mortgage Strategy That Gets You
Approved, Not Just Prequalified
Approved, Not Just Prequalified
🇲🇽 Hablamos Español
🇲🇽 Hablamos Español.
27+ years of experience. 315+ five-star reviews. Art Loera helps families, veterans, and government employees in Reno and the Truckee Meadows purchase and refinance with confidence.
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.
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.
Zero down for qualifying veterans and active duty. A natural fit for the capital’s many veterans and military retirees. The IRRRL streamline typically needs no appraisal or income, though that is not guaranteed.
DetailsThe everyday choice for buyers with steady income, including state and federal government employees. Competitive terms and a clear path to close.
DetailsZero down USDA financing can work in eligible areas around Reno and out in Cold Springs, Spanish Springs, and Washoe Valley. Send Art the address and he will check it.
DetailsLow down payment paths, gift funds, and step by step guidance so a first purchase in Reno 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.
DetailsFor homes above conforming limits.
DetailsQualify without tax returns.
DetailsYour mountain or lake getaway.
DetailsNevada programs that help with your down payment.
DetailsTurn your equity into flexibility.
DetailsBuy and renovate with one closing.
DetailsFinancing for manufactured homes with land.
DetailsFrom blueprints to keys.
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 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.
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 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 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.
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.
Ask Art →Up to 20,000 dollars in assistance for essential workers, with income and price limits and first come, first served funding.
Ask Art →Around 7,500 dollars in assistance for qualifying Nevada teachers.
Ask Art →Assistance for veterans and active duty service members buying in Nevada.
Ask Art →A Mortgage Credit Certificate can turn part of your mortgage interest into a federal tax credit.
Ask Art →A zero percent second loan option to help cover the down payment for eligible buyers.
Ask Art →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 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.
Art Loera has spent more than 27 years closing loans for Nevada families, with 315 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.
VA, conventional, FHA, USDA in eligible nearby areas, jumbo, bank statement and DSCR, new construction, manufactured home and reverse, plus Nevada down payment assistance. Art matches the program to your situation, including options for government employees and veterans.
Ask Art →Yes. Reno has many veterans, university and hospital employees, and government workers. VA offers zero down for those who qualify, and the IRRRL streamline typically needs no appraisal or income, though that is not guaranteed. Conventional and FHA also fit stable government income well.
Ask Art →Possibly. Parts of the Reno area and outlying communities like Cold Springs, Sun Valley, and Washoe Valley can qualify for USDA zero down. Eligibility is by exact address, so send Art the address and he will check it on USDA map.
Ask Art →Per Sierra Nevada REALTORS and Redfin, the Reno single family median ran in the low to mid 500,000s in early 2026. Prices move, so ask Art for a current snapshot for your target area.
Ask Art →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 Washoe County Assessor.
Ask Art →Yes. Art is bilingual and works with clients in English and Spanish from start to close.
Ask 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.
Ask Art →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:
