When it comes to buying a home or refinancing in Las Vegas, many buyers turn to conventional home loans. At The Maltese Group, we specialize in helping borrowers understand their options, secure competitive rates, and close quickly using conventional financing. Backed by our Las Vegas-based team, we provide straightforward guidance, personalized loan structuring, and fast approvals.
Whether you are a first-time buyer with strong credit or a move-up homeowner looking for predictable payments, a conventional loan may be the ideal solution. We’re here to help you navigate every step of the process with clarity and confidence.
Down Payment Assistance (DPA) refers to programs that help homebuyers cover the initial cash required to purchase a home. This can include:
DPA programs are available through state housing agencies, nonprofits, and city/county partnerships. Each program varies, but most require buyers to meet income and credit limits and complete a HUD-approved homebuyer education course.
Homebuyers across Southern Nevada face rising prices and limited inventory. Down Payment Assistance can help:
✅ Reduce or eliminate out-of-pocket expenses
✅ Move into a home faster by covering the upfront cost
✅ Combine with FHA, VA, USDA, and Conventional loans
✅ Boost your purchasing power
✅ Avoid draining savings or retirement funds
✅ Qualify for tax credits like the Mortgage Credit Certificate (MCC)
Eligibility for DPA depends on several factors, but many programs are designed specifically for:
Our team walks you through each requirement and helps match you with the most suitable program for your needs.
A top program in Nevada, HIP offers qualified borrowers up to 4% of the loan amount to use toward down payment or closing costs.
These conventional DPA-compatible programs offer:
Great options for moderate-income households or those with strong credit.
Some Nevada cities offer second loans that are fully forgiven after 3–7 years of occupancy.
Step 1: Pre-Qualification & Income Review: We’ll help you determine your eligibility for multiple DPA programs by reviewing your income, credit score, employment, and housing goals.
Step 2: Match to a DPA Program: Our licensed team matches you to the best-fit assistance options, whether that HIP, a forgivable loan, or a closing cost grant. We explain: Grant amounts available
Repayment requirements (if any)Impact on monthly payments Compatibility with your loan type
Step 3: Education Course Completion: Most programs require an online first-time buyer education course from a HUD-approved provider. We’ll guide you to the right one and help you fulfill the requirement.
Step 4: Submit Your Loan Application: Once you’ve selected a home and signed a purchase agreement, we package your DPA funds into your full mortgage application and submit to underwriting.
Step 5: Close and Move In: After final approval, you’ll sign your paperwork and receive your keys—often with thousands of dollars in savings upfront.
Yes, most programs allow you to combine gift funds and seller credits with DPA for even greater savings.
Some programs are forgivable after a few years. Others are grants with no repayment. We’ll clarify which type you qualify for.
Most loans with DPA close in 30–35 days, depending on program requirements and documentation.
Some DPA programs do have slightly higher rates to cover the cost of assistance. We’ll walk you through all terms before you commit.
MIP (Mortgage Insurance Premium) applies to FHA loans. PMI (Private Mortgage Insurance) applies to conventional loans. Both can be reduced or avoided with certain DPA programs.
Yes, if the property meets FHA or Fannie Mae guidelines. Let us verify eligibility before you shop.
If saving for a down payment feels out of reach, you’re not alone. Let The Maltese Group help you secure the assistance you need to move forward with confidence. Contact us to find out which programs you qualify for and get started today.
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Las Vegas real estate offers unique opportunities to grow wealth through rental income, appreciation, and leveraged financing. Whether you're acquiring your first property or expanding your tenth, The Maltese Group provides the expertise, tools, and funding options to help you succeed.
We are proud to be an Equal Housing Lender. All loans are subject to approval based on property eligibility, creditworthiness, and underwriting guidelines.