Mortgage Lenders in Henderson

• Based locally with knowledge of Henderson's unique real estate market
• Hundreds of successful closings across 89014, 89074, 89052 and beyond
• Transparent process with real-time updates via secure online portal
• Direct access to licensed mortgage advisors, not call center reps

We shop across multiple lenders to find the best rate and fit for you

We make financing your home simple and transparent. Here's how we guide you from application to closing:

Step 1: Pre-Approval
We evaluate your income, credit, and financial goals. You’ll get a clear picture of what you can afford.

Step 2: Loan Selection
We compare FHA, VA, conventional, and DPA programs and help you select the right fit.

Step 3: Processing & Underwriting
Our team handles every detail documents, verifications, appraisals to ensure smooth approvals.

Step 4: Closing Day
We coordinate everything with your agent, title company, and underwriters for a timely and stress-free closing.

FHA loans are backed by the Department of Housing and Urban Development (HUD), offering lower credit score requirements and down payments as low as 3.5%. Ideal for buyers with limited savings or recent credit history challenges.

FHA loan highlights:

• 580+ credit score qualifies for 3.5% down
• Mortgage insurance premium (MIP) required
• Higher debt-to-income ratio flexibility
• Great fit for first-time buyers or families in Henderson communities like Whitney Ranch or Anthem

Conforming conventional loans are ideal for borrowers with strong credit histories and stable income. These loans are underwritten by guidelines set by Fannie Mae and Freddie Mac and typically offer lower monthly payments.

Conventional loan features:

• Down payments as low as 3%
  
• No mortgage insurance with 20% down
  
• Loan amounts up to $726,200 in Clark County
  
• May offer better terms than FHA for buyers in MacDonald
• Ranch, Seven Hills, or newer builds

VA loans are government-backed loans through the U.S. Department of Veterans Affairs. They offer zero down payment, no PMI, and competitive interest rates—available to eligible veterans, active duty members, and surviving spouses.

VA loan benefits in Henderson:

• 100% financing with no PMI
• Streamlined refinance options (VA IRRRL)
• Funding fee waived for qualifying disabled vets
• Great fit for military families stationed near Nellis AFB or relocating to Southern Nevada

For Henderson homes above the conforming loan limit of $726,200, jumbo loans offer access to larger financing. These loans are ideal for buyers in luxury neighborhoods like Anthem Country Club or custom homes throughout Henderson.

Jumbo loan specifics:

• Loans exceeding conforming limits
  
• Manual underwriting with more asset documentation
  
• Strong credit and income profile typically required
  
• No PMI in most cases, even with less than 20% down

We work with multiple programs designed specifically for first-time buyers in Henderson. These include FHA, Freddie Mac’s Home Possible, and Nevada Housing Division options.

First-time buyer benefits:

• Down payment assistance (DPA) available
  
• Use of gift funds or seller credits allowed
  
• Education courses to prepare you for successful homeownership
  
• Available for homes in Downtown Water Street District and beyond

Whether you’re financing a duplex, short-term rental, or multi-unit property, our investor loan options are structured for performance. We offer DSCR (Debt-Service Coverage Ratio) loans and conventional investment property financing.

Investor financing perks:

• No income verification DSCR loans
  
• Up to 80% LTV on non-owner-occupied properties
  
• Cash-out refinance options to expand your portfolio
  
• Perfect for properties near Henderson’s commercial corridors or short-term rental zones

Henderson homebuyers can take advantage of several DPA options through state and local housing agencies. These include grants, deferred-payment second mortgages, and forgivable loans.

DPA details:

• Offered through the Nevada Housing Division
  
• Income and purchase price limits may apply
  
• Can be paired with FHA, VA, or conventional loans
  
• Helps cover closing costs and upfront expenses 
   

Our refinance solutions in Henderson are built to help you save or access your home’s equity. Choose from rate-and-term refinance, cash-out refinance, or streamline options for government-backed loans.

Refinance advantages:

• Reduce monthly payments
  
• Eliminate mortgage insurance
  
• Shorten your loan term
  
• Cash-out for home renovations or debt consolidation

• Fast-growing community with steady home appreciation
• Mix of master-planned communities and older neighborhoods
• Strong rental demand for investors
• Conforming loan limit of $726,200 allows flexible options
• Median home prices make FHA and DPA programs especially relevant

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