HOME PROGRAMS
NEED A HOME LOAN?
We connect buyers with the financing program that actually applies to them: first home, self-employed income, purchase with an ITIN. Each one has its own requirements, and we go through them with you.
AVAILABLE PROGRAMS
0% Down Payment
Multiple down payment assistance programs available in Nevada. Qualified buyers can purchase a home with zero money down through state and local programs.
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number. No Social Security number required. Competitive rates and terms available.
Learn MoreFHA Loans
Federal Housing Administration loans from 3.5% down with a credit score of 580 or higher. Paired with Nevada's down payment assistance programs, what you bring out of pocket can get close to zero.
Learn MoreSelf-Employed OK
Special loan programs designed for self-employed individuals. Flexible income documentation requirements with competitive interest rates.
Learn MoreGift Funds OK
Use gift funds from family members for your down payment and closing costs. We'll guide you through the documentation requirements.
Learn MoreInvestment Properties
Financing available for residential and commercial investment properties. Build your real estate portfolio with expert guidance and competitive loan options.
Learn MoreFREQUENTLY ASKED QUESTIONS
Can I buy a home without a Social Security number?
Yes! With an ITIN (Individual Taxpayer Identification Number), you can qualify for mortgage programs specifically designed for buyers without a Social Security number. We work with lenders who specialize in ITIN loans.
What is the minimum down payment required?
It depends on the program. FHA loans require as little as 3.5% down, and Nevada offers down payment assistance programs that can cover the entire amount, effectively allowing 0% down for qualified buyers.
Can I qualify if I'm self-employed?
Absolutely. Several loan programs accept alternative income documentation such as bank statements, 1099 forms, or profit and loss statements instead of traditional W-2s.
What credit score do I need to buy a home?
FHA loans typically require a minimum credit score of 580 for 3.5% down, or 500 with 10% down. Some conventional programs start at 620. We can help you explore options based on your specific situation.
How long does the home buying process take?
On average, the process takes 30-45 days from accepted offer to closing. Pre-approval, which we recommend doing first, can be completed in 1-3 business days.
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Half an hour, no obligation: we go over your budget, the programs you qualify for, and what is actually selling in your area.
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