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.
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 PagesInside This Guide
- Loan officer, processor, underwriter
- What escrow and title actually do
- Who to call for each question
Reno Neighborhood Guide
Overview of Reno and Sparks neighborhoods, schools, commute, price ranges, and buying trends by area.
EN / ES · 6 PagesInside This Guide
- Reno and Sparks area profiles
- Schools, commute, price ranges
- Where buying trends are heading
VA Loan Benefit Guide
Complete guide to VA loan benefits for Nevada veterans and active duty military. Zero down, no PMI.
EN / ES · 5 PagesInside This Guide
- Full VA benefit, zero down
- Funding fee and exemptions
- Nevada veteran specifics
FHA Loan Guide
Everything first-time buyers need to know about FHA loans, down payment, credit, and qualifications.
EN / ES · 4 PagesInside This Guide
- The 3.5% down path explained
- Credit flexibility from 580+
- MI: what it is, when it ends
Refinance Decision Guide
Art's break-even formula and decision framework for knowing exactly when refinancing makes financial sense.
EN / ES · 3 PagesInside This Guide
- Art's break-even formula
- When refinancing makes sense
- Costs versus monthly savings
USDA Loan Guide
Zero-down rural loan program, check if your Reno or Northern Nevada address qualifies.
EN / ES · 3 PagesInside This Guide
- Zero-down rural program
- Check your address eligibility
- Income limits made simple
Self-Employed Buyer Guide
How bank statement loans and alternative income verification programs work for business owners.
EN / ES · 4 PagesInside This Guide
- Bank statement qualification
- Alternative income documentation
- What underwriters look for
Down Payment Assistance Guide
Every active Nevada and federal DPA grant and forgivable loan program available right now.
EN / ES · Updated MonthlyInside This Guide
- Active Nevada and federal grants
- Who qualifies and how to stack
- Application steps in order
Quick Calculators
Estimates only. Contact Art at 775-404-0006 for your exact numbers.
Monthly Payment
Refinance Break-Even
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.
Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.