📈 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.
Mortgage Tools · Search, Calculator, AI

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.

Home Search

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 →
Verified Reviews

315+ Five-Star Reviews

Real reviews from real Reno and Tahoe clients. Every one from a closed loan with Art. Verify before you call.

Birdeye · 170 Reviews

Largest review platform for Art. 170 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 · 43 Reviews

Google reviews from Reno-area clients. Verified on Art's Google Business Profile on Google Maps.

Read Google Reviews →
Found a home you love?
Switch to Calculators to run the payment, then call Art for a pre-approval letter the same day.
Calculators

Run Your Numbers

Estimates only, call Art at 775-404-0006 for exact numbers including taxes, insurance, and HOA.

🏠 Monthly Payment

Down Payment
$22,500
Loan Amount
$427,500
Est. Monthly P&I
$2,808
Principal & interest only. Excludes taxes, insurance, HOA, mortgage insurance. Call Art for full breakdown.

🔄 Refinance Break-Even

Monthly Savings
$400
Annual Savings
$4,800
Break-Even Point
15 Months
Stay in your home longer than the break-even point and refinancing saves you money.
Call Art for Exact Numbers Get Pre-Approved →
AI Mortgage Assistant

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.

SAM
SAM · Art's AI Mortgage Assistant
Online · Ready for your scenario

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.

FHA Guidelines VA Benefits Self-Employed DSCR Investor Nevada DPA Refi Timing Hard Money Exit
Common Scenarios

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.

🤖 Tap to ask Max about first-time buyer programs
🏆

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.

🤖 Tap to ask Max about VA loan benefits
💼

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.

🤖 Tap to ask Max about self-employed qualifying
🔄

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.

🤖 Tap to ask Max about refinance timing
📉

Investment Property / DSCR

DSCR loans qualify on the rental property's income, not your personal income. Perfect for Reno and Tahoe investors.

🤖 Tap to ask Max about DSCR investor loans
🔥

Hard Money Exit Refi

Trapped in a 10-14% hard money loan? Art has helped dozens of Reno homeowners exit into conventional financing.

🤖 Tap to ask Max about hard money exit
Pro Tools

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
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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