Mortgage Lenders in North Vegas

• Over 500 clients served across Southern Nevada
• In-house team with full pre-approval and processing support
• Quick closings and streamlined underwriting
• Trusted by veterans, first-time buyers, and investors
• Transparent advice with no guesswork

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 government-insured mortgages backed by the Federal Housing Administration (HUD). Designed for buyers with lower credit scores or limited savings, FHA loans require a down payment as low as 3.5% and allow higher debt-to-income ratios. North Las Vegas buyers may also qualify for reduced mortgage insurance premiums (MIP) based on loan terms and equity levels.

We help you:

• Qualify with scores starting at 580
• Use gift funds for down payment
• Understand upfront and annual MIP costs
• Navigate FHA appraisal standards
   

For those who have served in the U.S. Armed Forces, VA loans offer unmatched value. Backed by the Department of Veterans Affairs, they require no down payment, no private mortgage insurance (PMI), and offer some of the most competitive rates available. Our team has helped hundreds of veterans in Clark County access their benefits with ease.

Key features:

• 0% down with full entitlement
• COE (Certificate of Eligibility) support
• Funding fee waivers for disabled veterans
• IRRRL (Interest Rate Reduction Refinance Loan) options

Conventional loans are ideal for buyers with good credit and stable income. These loans are not government-backed but follow Fannie Mae and Freddie Mac guidelines. With as little as 3% down, they offer flexible terms and often lower long-term costs when mortgage insurance is avoided.

Conforming loans:

• Minimum 620 credit score
• Automated underwriting for fast approval
• PMI drops at 20% equity
  Ideal for move-up buyers in
• North Las Vegas

When your home price exceeds the Clark County conforming loan limit (currently $726,200), a jumbo loan may be your best option. These loans allow you to finance luxury or high-demand properties across neighborhoods like Aliante or Eldorado without splitting your mortgage into two loans.

Highlights:

• Flexible down payments
• No PMI in most cases
• Competitive jumbo interest rates
• Manual underwriting and documentation guidance

Real estate investors are increasingly turning to North Las Vegas for its affordability and strong rental demand. Whether you are buying a single-family rental or a multi-unit property, The Maltese Group offers DSCR loans, non-owner-occupied financing, and other investor-friendly loan options.

Why investors work with us:

• No income docs with DSCR qualification
• Short-term rental support
• LLC vesting available
• Fast funding for competitive offers

Already own a home in North Las Vegas? You may benefit from refinancing, whether it is to secure a lower interest rate, eliminate PMI, or tap into your home equity. We offer both traditional and cash-out refinances across FHA, VA, and conventional loan types.

Popular refinance solutions:

• FHA Streamline with no appraisal or income docs
• VA IRRRL with fast closings
• Cash-out for debt consolidation or home improvement
• Loan term reductions to build equity faster

Trusted Local Experience
We live and work in the Las Vegas Valley. That means we understand local zoning, flood zones, property tax trends, and neighborhood-specific lender overlays. Our advice is based on market data, not guesswork.

All-in-One Loan Support
From your initial credit pull to final closing disclosure, our team manages the process so you do not have to. We use secure digital portals for documentation and real-time updates, cutting down on paperwork and wait time.

Personalized Loan Structuring
Your loan is tailored to your situation. Whether you are self-employed, relocating from out of state, or using gift funds, we will structure your file to pass underwriting the first time.

• Pre-Approval Letter: Strengthen your offer and shop confidently.
• Mortgage Calculators: Estimate your payment, taxes, and insurance.
• Secure Online Application: Apply in minutes from your phone or desktop.

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