Mortgage news and helpful tips

Six items start a mortgage application: your name, your income, your Social Security number, the property address, an estimated property value.

Yes, you can rent out your current home and buy another in Las Vegas. All three main programs allow it, but the rules differ sharply.

The definitional guide to the three kinds of companies that can originate your mortgage: what a retail bank, a mortgage broker, and an independent mortgage lender each actually do with your file, who underwrites and funds the loan, and how loan officer licensing really differs under the SAFE Act.

Yes, you can get a mortgage without tax returns. Las Vegas borrowers commonly do it two ways in 2026. A bank statement loan documents self-employed income.

A DSCR loan qualifies a rental property on its own income instead of yours. The underwriter divides the property's monthly rent by its full monthly payment.

Whether you can originate loans in another state turns on where the home sits, not on where you sit. Federal rule 12 CFR 1008.103(a) reaches every dwelling.

A mortgage loan originator license in Nevada comes from the Division of Mortgage Lending. However, NRS 645B.410 will not issue one to a person standing alone.

A DSCR loan for a 1031 exchange has to close inside the statutory exchange period. Here is how the 45-day and 180-day clocks, mortgage boot, and debt replacement drive the loan timeline on a replacement property.

A licensed loan officer's checklist for joining a mortgage company in Las Vegas: product breadth, processing support, leads and marketing, technology and pricing, Nevada licensing, and how a shop settles a fight over a file.

Loan officer product breadth decides how much of your pipeline you can close in-house instead of referring out. FHA at 580, VA entitlement restoration, self-employed documentation, and business-purpose DSCR, explained for licensed LOs.