Home Loans in Las Vegas

• Over a decade of experience serving Nevada borrowers
• Specialists in FHA, VA, jumbo, and investor loan programs
• Fast approvals and local underwriting knowledge
• Secure, online pre-approvals available in minutes
• Backed by Cardinal Financial, a nationally recognized lender
• Equal Housing Lender and fully compliant with NMLS regulations

Our clients appreciate honest advice, responsive service, and personalized loan strategies tailored to their unique needs.

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 ideal for first-time homebuyers or those with less-than-perfect credit. These government-insured loans require as little as 3.5% down and have flexible credit guidelines. If you're looking to purchase a starter home in communities like Spring Valley or Sunrise Manor, FHA loans are a smart way to make homeownership accessible.

Benefits:

• Low down payments
• Lower credit score requirements (580 minimum)
• Gift funds allowed for down payment and closing costs
• Competitive fixed interest rates
   

Conventional loans are best for borrowers with stronger credit profiles and stable income. These loans often come with lower monthly payments and can be used for primary homes, vacation properties, or investment purchases.

Advantages of Conventional Loans:

• As little as 3% down (for first-time buyers)
• No upfront mortgage insurance
• Lower long-term costs for well-qualified buyers
• Options to waive PMI with 20% down

We specialize in helping first-time buyers get into homes with down payment assistance, flexible credit requirements, and local grant programs. Whether you’re moving from renting in Las Vegas or relocating to Nevada, we’ll walk you through every step.

Support Includes:

• Pre-approval support to know your budget
• Access to FHA, VA, and DPA programs
• Guidance on using gift funds and seller credits
• Local insights on neighborhoods and price trends

Many buyers in Las Vegas qualify for down payment grants or forgivable second loans that reduce upfront costs. We work with Nevada Housing Division programs to help you access all available incentives.

Available Programs:

• Nevada Home Is Possible
• Forgivable second mortgage options
• Grants for teachers, first responders, and qualified low-income buyers

Let us help you unlock these valuable resources and move in with less out of pocket.
 

Las Vegas is home to many luxury communities with properties exceeding conforming loan limits. Our jumbo loan programs allow you to finance high-value homes with competitive terms and flexible underwriting.

Available Features:

• Loan amounts above $726,200 (Clark County limit)
• Fixed and adjustable-rate options
• Portfolio lenders for unique income or asset profiles
• Financing for primary, second homes, or investment properties

If you're looking to purchase in communities like MacDonald Highlands or The Ridges, a jumbo loan may be the right solution. 

If you’re already a homeowner in Las Vegas, refinancing can help you lower your interest rate, reduce your monthly payments, or tap into your home equity.

Common Refinance Scenarios:

• Switch from FHA to Conventional to remove MIP
• Take cash out for home upgrades or debt consolidation
• Shorten loan terms from 30 to 15 years
• Lower monthly payments with a better rate

We help homeowners in zip codes like 89183, 89141, and 89129 understand all their options.

Investor loans are mortgages designed for the purchase or refinance of income-producing properties. These include single-family rentals (SFRs), duplexes, triplexes, fourplexes, and non-owner-occupied properties. Unlike primary residence loans, investor mortgages have different underwriting criteria, focusing more on property cash flow, borrower reserves, and investment strategy.

Our investor-friendly programs include:

• Conventional investment property loans
• DSCR (Debt Service Coverage Ratio) loans
• Portfolio rental loans for multiple properties
• Fix-and-flip financing and bridge loans
  Cash-out refinances for real estate investors
• Interest-only options and asset-based underwriting

As a VA-approved lender, The Maltese Group proudly helps military families in Las Vegas access the benefits they’ve earned. VA loans offer zero down payment, no private mortgage insurance (PMI), and some of the best interest rates available. You may qualify for a VA loan if you’re a veteran, active duty service member, Reservist, National Guard member, or an eligible surviving spouse.

Key Highlights:

• 0% down payment required
• No PMI ever
• Easier credit qualification
• Streamline refinance options available

We are honored to assist those who have served by making the homebuying process easier and more affordable.

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