📈 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.
Realtor Tools · Reno & Tahoe Agents

Built For Agents Who Close Deals

Pre-qual math in 30 seconds. Payment scenarios for any client. Real numbers across every loan program. The tools nobody else gives you, in one place.

Run a Scenario → ☎ Call Art · 775-404-0006
Pre-Qual Estimator

How Much House Can Your Buyer Afford?

Enter your buyer’s numbers. Get max purchase price across FHA, Conventional, and VA in seconds. Real Reno-Tahoe rates · real DTI math.

Buyer Profile

Total household pre-tax income
Minimum monthly payments only
Adjust based on current market
Max Purchase Price
$425,000
Max Loan Amount$405,000
Estimated Monthly PITI$3,165
Front-End DTI28%
Back-End DTI35%
By Loan Program
FHA
$425,000
3.5% down
Conventional
$420,000
5% down
VA
$435,000
$0 down
Estimates only. Actual qualification depends on full underwriting, asset reserves, employment history, and current market rates. Call Art at 775-404-0006 for full pre-qualification.
Payment Calculator

Run The Full Payment

Principal · Interest · Taxes · Insurance · MI. The full PITI breakdown your buyer needs to make a real decision.

Loan Details

Auto-set: FHA 0.55%, Conv <20% 0.5%, VA/20%+ 0%
Total Monthly Payment
$3,166
Principal & Interest$2,627
Property Tax$292
Home Insurance$150
Mortgage Insurance$0
HOA$0
Loan Amount$400,000
Total Interest (life)$545,720
Estimates only. Actual rates depend on credit, loan program, market timing. Property tax rates vary by county, Washoe NV ~0.68%, El Dorado CA ~0.78%. Call Art at 775-404-0006 for a real quote.
Ask SAM AI

Get Specific Answers, Fast

SAM knows every program Art works, FHA, VA, USDA, Conventional, Jumbo, DSCR, Bank Statement, Non-QM, DPA. Ask anything. Get real answers. Then call Art.

Try These Realtor Questions

Click any question to open SAM and ask it directly.

SAM is Ready

Tap the gold chat bubble at the bottom-right of your screen. SAM gives specific answers grounded in current Reno-Tahoe rates, real PRMG programs, and Art’s 27 years of underwriting experience.

Pro Tip For Realtors
Use SAM to qualify-talk leads before calling Art. Save time. Close faster.
☎ Or Call Art Direct · 775-404-0006
Buyer Scenarios · Common Profiles

Match Your Buyer to The Right Program

Six common buyer profiles Art closes every week in Reno-Tahoe. Tap any card to open SAM with the right question already loaded.

Loan Process · Do's & Don'ts

Don't Lose The Deal, Tell Your Buyer These Rules

From the day they apply until the day of close. Print this. Hand it to your buyer. Save the deal.

✅

DO These Things

  • Keep paying every bill on time. Even one 30-day late drops a credit score 60-100 points and can disqualify the loan.
  • Stay at the same job. If a job change is unavoidable, call Art FIRST, same industry / higher pay may be fine, gaps are not.
  • Save every paystub, bank statement, and tax document. Underwriting will ask for them again right before closing.
  • Document every deposit over $500. Source of funds matters. Cash gifts need a gift letter signed by the giver.
  • Respond to the lender within 24 hours. A 48-hour delay can push closing back by days.
  • Keep credit card balances stable. Don't max out, don't pay off everything. Stable utilization is best.
  • Call Art with any change. Income, job, deposits, debts, gifts, everything. Surprises kill deals; transparency saves them.
❌

DON'T Do These Things

  • Don't open new credit cards or loans. Each new account drops the credit score and adds debt to DTI. Both can disqualify the loan.
  • Don't finance furniture, appliances, or a car. Wait until AFTER closing. Even pre-approved promo financing counts as new debt.
  • Don't change jobs or quit. Lenders verify employment days before close. A new role can re-trigger income verification.
  • Don't move large sums between accounts. Every transfer needs a paper trail. Underwriting wants to see funds “seasoned” for 60 days.
  • Don't co-sign for anyone. Co-signed debt counts against your DTI even if you don't pay it.
  • Don't dispute credit items mid-loan. Disputes freeze accounts and re-trigger underwriting. Resolve them BEFORE applying.
  • Don't pay off old collections without asking. Sometimes paying re-ages an item and HURTS the score. Ask Art first.
Why This Matters
A pre-approval is NOT a guarantee. Lenders re-verify credit, employment, and assets within 7 days of closing. Any of the don'ts above can re-trigger underwriting, delay closing, or kill the deal entirely. Tell your buyer these rules at the moment they go under contract, not a week before close.
☎ Call Art Before Anything Changes · 775-404-0006 📄 Download English PDF 📄 Descargar PDF Español
Buyer Forms · Bilingual Educational Materials

Hand-Off Materials For Your Buyers

Branded, RESPA-clean, professionally designed. Available in English and Spanish. Print or email at any stage of the process.

📚

Home Buyer Complete Guide

15-page guide for first-time and repeat buyers

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
📋

Mortgage Process Explained

Step-by-step from application to closing

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
💵

Closing Costs Explained

Every fee, who pays it, and why, no surprises

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
✅

Do's & Don'ts Before Closing

The branded printable version of what your buyer must follow

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
☑

Mortgage Checklist

Document checklist, what they need before applying

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
👨

Key People in Your Transaction

Realtor, lender, escrow, title, appraiser, all roles

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
💰

Buyer Budget Worksheet

Help your buyer figure out their real numbers

🇺🇸 English PDF ↓ 🇲🇽 Español PDF ↓
Why Realtors Use These
All 14 forms are hand-branded by Art Loera, clean professional design, NMLS disclosure on every page, no aggressive marketing. Your buyer sees a polished educational resource. Your buyer remembers who provided it.
Why Reno-Tahoe Realtors Send Buyers To Art

27 Years. 315 Five-Star Reviews. One Phone Call.

27+
Years Closing Loans in Reno & Tahoe
315
Verified 5☆ Reviews (Google, Birdeye, Experience.com)
15+
Loan Programs, FHA, VA, USDA, Conv, Jumbo, DSCR, Bank Stmt, DPA
NV+CA
Licensed in Nevada & California · Reno, Sparks, Carson, Lake Tahoe
Coming In Next Releases
Program Matcher · Net Sheet · Co-Marketing Toolkit
Buyer-profile-to-program matcher. Seller net sheet for listing presentations. Co-branded listing flyers and open-house QR with Art’s contact. Integration with Art’s Experience.com tools and PRMG marketing. Email Art at aloera@prmg.net with what you need first.
Scan to save Art Loera's contact
Stay Connected
Save Art’s Contact. Call When Ready.
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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