Mortgage news and helpful tips

How a reverse mortgage works in Nevada: age 62, HUD counseling, the FHA-insured HECM, what it costs, and what your heirs owe when the loan comes due.

Independent lender vs big bank for your Las Vegas mortgage: who underwrites, who you talk to, and how to compare with same-day Loan Estimates.

From balloon notes and half the price down to the 30-year fixed: how the FHA, Fannie Mae, and the GI Bill built the modern American mortgage.

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.

Nevada cash to close, county by county: transfer tax from $1.95 to $2.55 per $500, the $25 recording base, filed title rates. Every figure sourced.

Las Vegas homeownership cost, verified: the assessment ratio, the two-statute tax cap, NAIC's average Nevada HO-3 premium, and the numbers nobody publishes.

A cash-out refinance in Nevada replaces your mortgage with a larger one and hands you the difference at closing. Loan-to-value ceilings set the amount:.

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.

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.