Run Your Mortgage Scenario
Search homes on Zillow, run the payment calculator, ask SAM AI any mortgage question, and explore real scenarios. Pick a tab to get started.
Search Homes on Zillow
Find your home in Reno, Sparks, or Lake Tahoe. When you find the one, switch to Calculators to run the payment, then call Art for a same-day pre-approval.
Reno & Sparks
Browse active listings in Reno and Sparks. Filter by price, bedrooms, and neighborhood.
Search Reno →Lake Tahoe & Incline Village
Luxury, vacation, and primary homes. Art specializes in jumbo financing on both NV and CA sides of the lake.
Search Tahoe →Northern Nevada
Carson City, Fernley, Fallon, Dayton. Many USDA-eligible areas with zero down payment options.
Search N. Nevada →317+ Five-Star Reviews
Real reviews from real Reno and Tahoe clients. Every one from a closed loan with Art. Verify before you call.
Birdeye · 171 Reviews
Largest review platform for Art. 171 verified five-star reviews from 27+ years of Reno mortgage work. Updated weekly.
Read Birdeye Reviews →
Experience.com · 102 Reviews
Mortgage industry's verified review standard. 102 client reviews tied to actual closed loan transactions.
Read Experience.com Reviews →Google · 44 Reviews
Google reviews from Reno-area clients. Verified on Art's Google Business Profile on Google Maps.
Read Google Reviews →Run Your Numbers
Estimates only, call Art at 775-404-0006 for exact numbers including taxes, insurance, and HOA.
🏠 Monthly Payment
🔄 Refinance Break-Even
Ask SAM Any Mortgage Question
SAM knows every Art program, FHA, VA, USDA, Conventional, Jumbo, DSCR, Bank Statement, DPA, and more. Ask anything. Get real answers. Then call Art.
Tap the gold chat button at the bottom-right of your screen to open SAM. Ask about any mortgage situation, first-time buyer options, VA benefits, self-employed qualifying, refi timing, hard money exit, investor DSCR loans, or down payment assistance. SAM gives specific answers, not generic information.
Find Your Situation
Click any scenario to ask SAM AI the right question for your situation. Max will open with the question pre-loaded.
First-Time Buyer
FHA, USDA, Conventional 3% down, or Down Payment Assistance grants. Art has helped hundreds of first-time buyers in Reno and Sparks.
Veteran / Military
$0 down, no PMI, competitive rates. The VA benefit is one of the most powerful tools available and Art maximizes every one for Nevada veterans.
Self-Employed / Business Owner
Bank statement loans use 12-24 months of deposits instead of tax returns. No W-2s required. Art has closed hundreds in Reno.
Refinance Timing
Art's break-even analysis tells you exactly when a refinance saves money. He monitors your rate and calls you proactively when the math works.
Investment Property / DSCR
DSCR loans qualify on the rental property's income, not your personal income. Perfect for Reno and Tahoe investors.
Hard Money Exit Refi
Trapped in a 10-14% hard money loan? Art has helped dozens of Reno homeowners exit into conventional financing.
Verify, Research, Prepare
Tools savvy buyers and realtors use before calling Art.
Verify Art's License
Look up Art Loera, NMLS #367308 on the NMLS Consumer Access database. Verify his current license and state authorizations.
NMLS Lookup →USDA Eligibility Map
Check if a specific address qualifies for the USDA zero-down loan. Many Northern Nevada areas are eligible.
Check Eligibility →10-Year Treasury Live
Mortgage rates follow the 10-Year Treasury. When the 10-year rises, rates go up. Watch this to time your rate lock.
View Live →Apply with Art
Ready for real numbers? Apply through PRMG's secure portal. Art reviews your application personally and responds within 24 hours.
Start Application →Call 775-404-0006
Free guides. Free calculators. Free programs. Free Important Numbers. English and Spanish. No signup ever. Art Loera. NMLS #367308.