The Maltese Group offers a wide variety of mortgage solutions, including traditional home loans, government-backed programs, investor-focused financing, and refinancing options tailored to your unique needs.
You can begin your loan journey with our secure online application. Once submitted, a loan advisor will review your file and follow up with personalized next steps — often within 24 hours.
Self-employed buyers can qualify for financing using bank statements, asset-based lending, or rental income in place of traditional W2 documentation. We tailor options to your income structure.
Yes. We work with borrowers across a wide range of credit scores. Many of our programs are built to accommodate those rebuilding credit or returning to homeownership.
Most applications require a government-issued ID, recent pay stubs or bank statements, two years of tax returns, and documentation for any assets or additional income sources.
Minimum down payments vary by loan type, starting as low as 0% for VA loans or 3.5% for FHA. We'll help you find options that minimize your upfront investment.
VA and FHA programs are available to qualifying buyers — including veterans, active-duty military, and those with lower credit or income. These loans offer lower barriers to entry.
VA loans typically require no down payment and do not include monthly mortgage insurance, making them one of the most cost-effective options for eligible service members.
FHA financing is often best for buyers with lower credit scores or smaller savings. These loans offer flexible terms and can help first-time buyers get into a home faster.
Yes, if the property meets the required agency guidelines. We’ll check the approved lists and help you determine if your condo or townhome is eligible.
For rental properties, we offer options that evaluate projected rental income instead of personal income — a strong fit for landlords and real estate investors.
Yes. Debt-Service Coverage Ratio (DSCR) loans base approval on a property's cash flow rather than the borrower’s income. These are ideal for self-funding properties.
We offer short-term financing for acquisition and renovation, with flexible terms for fix-and-flip investors. These loans are designed to move quickly from closing to resale.
Most investor loan programs work with mid-range credit scores (typically 640+), though better credit may offer improved rates. We help evaluate all available options.
Down payment assistance in Nevada may include grants or forgivable second loans. These funds help reduce upfront costs and are often available to first-time buyers or income-qualified applicants.
Buyers who haven’t owned a home in the last three years often qualify, along with those purchasing in targeted areas. We’ll confirm your eligibility quickly.
Assistance amounts typically range from $5,000 to over $20,000 depending on income, household size, and program availability. We’ll help you apply for the most valuable options.
Yes. Most down payment assistance programs are compatible with FHA, VA, and other low-down payment mortgage types, helping reduce both upfront and monthly costs.
If your rate is above current market averages, you want to access equity, or you're seeking to shorten your loan term, refinancing may be a smart move.
Yes. The VA IRRRL (Interest Rate Reduction Refinance Loan) offers a simplified refinance path for eligible veterans — often without new appraisals or income verification.
Typically, you must wait at least 6 months after closing to refinance, though exceptions exist. Timing depends on the loan type and your goals.
Refinancing gives you the option to reset or shorten your loan term. Many borrowers move from a 30-year to a 15-year mortgage to build equity faster.
You’ll find us at 10777 W Twain Ave Suite 210, Las Vegas, NV 89135. Feel free to visit or call ahead to schedule a time that works best for you.
Yes. Our technology-driven platform allows you to apply, upload documents, e-sign, and track your loan entirely online, while still having access to a local advisor.
Yes. While we’re based in Las Vegas, we’re licensed in multiple states and regularly work with borrowers across the Southwest and beyond.
Most loans close in about 21 days, depending on the loan type and documentation. Our process is streamlined to move fast without cutting corners.
Absolutely. We support real estate professionals with co-branded marketing, quick pre-approvals, and a transparent lending process that improves the client experience.
Yes. Depending on the loan program and how long ago the bankruptcy was discharged, you may still be eligible. We'll help review your options.
Many of our programs require little or no money down. We also offer access to grants and second-lien options that reduce or eliminate upfront costs.
Closing costs in Las Vegas typically include title fees, recording costs, and property-related taxes. We’ll give you a detailed estimate upfront so you're fully prepared.
Rates are generally set by national markets but local taxes, insurance, and lender competition in Nevada can affect your final monthly payment.