Home Financing Options
Understanding your financing options is crucial to making the right home buying decision. I'll help you explore all available loan programs and connect you with trusted lenders who understand the Las Vegas market.
Conventional Loans
Traditional financing with competitive rates and flexible terms for qualified buyers.
- • 3-20% down payment
- • Fixed or adjustable rates
- • 15-30 year terms
- • No PMI with 20% down
VA Loans
Special benefits for military veterans and active-duty personnel.
- • Zero down payment
- • No PMI required
- • Competitive rates
- • Flexible credit requirements
FHA Loans
Government-backed loans with lower down payment requirements.
- • 3.5% down payment
- • Flexible credit requirements
- • Government insured
- • First-time buyer friendly
Jumbo Loans
Financing for luxury homes exceeding conventional loan limits.
- • Higher loan amounts
- • Competitive rates
- • Flexible terms
- • Luxury home financing
Pre-Approval Process
Step 1: Gather Documents
- • Recent pay stubs (2-3 months)
- • W-2 forms (2 years)
- • Bank statements (2-3 months)
- • Tax returns (2 years)
- • Employment verification
- • Credit report
Step 2: Lender Review
- • Credit score evaluation
- • Debt-to-income analysis
- • Employment verification
- • Asset verification
- • Loan program selection
- • Pre-approval letter
Why Get Pre-Approved?
Know Your Budget
Understand exactly how much home you can afford and shop with confidence.
Competitive Advantage
Sellers prefer buyers who are pre-approved, giving you an edge in competitive markets.
Faster Closing
Pre-approval speeds up the loan process, helping you close on your dream home faster.