📈 Markets
FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING
FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING
Not a rate quote. Contact Art for personalized rates.
Free Guides & Tools · English & Spanish

Free Mortgage Resources

Art Loera believes informed buyers make better decisions. Download free guides, use the calculators, and get the knowledge you need to buy or refinance with confidence. Everything available in English and Spanish at no charge.

14 Free Home Buyer Guides

Request any guide by calling Art at 775-404-0006 or filling out the form below. All guides available in English and Spanish.

📚

Home Buyer's Complete Guide

15-page flagship guide covering every step of the home buying process from pre-approval to keys in hand.

EN / ES · 15 Pages
📋

Mortgage Process Explained

Step-by-step walkthrough of the mortgage process, what happens, when, and what you need to do.

EN / ES · 8 Pages

Mortgage Checklist

Complete list of documents to gather before applying. Check everything off before your first call with Art.

EN / ES · 2 Pages
👥

Key People in Your Transaction

Who is the loan officer, processor, underwriter, escrow officer, and title agent? What does each person do?

EN / ES · 3 Pages
🚫

Do's and Don'ts Before Closing

What can kill your mortgage approval between contract and closing? This guide protects your deal.

EN / ES · 2 Pages
💰

Closing Costs Explained

Every line item on your Closing Disclosure explained in plain language. No surprises at the table.

EN / ES · 4 Pages
📈

Budget Worksheet

Calculate your true monthly cost of homeownership including PITI, HOA, utilities, and maintenance.

EN / ES · Fillable PDF
🏦

Reno Neighborhood Guide

Overview of Reno and Sparks neighborhoods, schools, commute, price ranges, and buying trends by area.

EN / ES · 6 Pages
🏆

VA Loan Benefit Guide

Complete guide to VA loan benefits for Nevada veterans and active duty military. Zero down, no PMI.

EN / ES · 5 Pages
🏠

FHA Loan Guide

Everything first-time buyers need to know about FHA loans, down payment, credit, and qualifications.

EN / ES · 4 Pages
🔄

Refinance Decision Guide

Art's break-even formula and decision framework for knowing exactly when refinancing makes financial sense.

EN / ES · 3 Pages
🌿

USDA Loan Guide

Zero-down rural loan program, check if your Reno or Northern Nevada address qualifies.

EN / ES · 3 Pages
💻

Self-Employed Buyer Guide

How bank statement loans and alternative income verification programs work for business owners.

EN / ES · 4 Pages
🕽

Down Payment Assistance Guide

Every active Nevada and federal DPA grant and forgivable loan program available right now.

EN / ES · Updated Monthly

Quick Calculators

Estimates only. Contact Art at 775-404-0006 for your exact numbers.

🏠 Monthly Payment

Est. Monthly P&I
$2,808
Principal & interest only. Excludes taxes, insurance, HOA, mortgage insurance.

📈 Refinance Break-Even

Break-Even Point
12.5 Months
If you stay in the home longer than this, refinancing saves you money.

Get Your Free Guides

Tell Art which guides you want and in which language. He will send them within one business day, no strings attached.

Art Loera NMLS #367308. We do not sell your information. Equal Housing Lender.

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Point your phone camera at the QR code to save Art’s full contact card directly to your phone, no app needed. Whether you’re ready in a week or a year, his number is already there. Call or text 775-404-0006 anytime.

Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.

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