Mortgage news and helpful tips

FHA, Fannie Mae, Freddie Mac and VA each count a student loan differently. All four rules worked on one balance, with 2026 Clark County limits.

A DSCR loan appraisal sets the market rent your coverage ratio is built on. How Form 1007 works, why the lower of the lease and the rent schedule usually wins, and what to do when it lands below your lease.

A divorce mortgage in Las Vegas is a refinance with a decree attached. Nevada community property under NRS 123 and NRS 125, the equity buyout arithmetic worked at full precision, why Fannie Mae treats the payout as a limited cash-out refinance, how FHA counts it inside a rate and term refinance, and what Regulation B lets a lender do with marital status.

An interest-only DSCR loan lifts the ratio on a Las Vegas rental. See the math in dollars, and what happens when the interest-only period ends.

What makes a Las Vegas condo non-warrantable under Fannie Mae's current project standards, how Nevada's resale package lets you check before the five day cancellation window closes, and the portfolio, non-QM and DSCR routes that still finance the unit.

How DSCR loans in Tennessee are underwritten: the coverage ratio worked on a Nashville rental, the 25 versus 40 percent assessment split a short-term rental permit triggers, LLC vesting and the recordation taxes waiting at closing.

Home › Blog › 3-2-1 Buydowns Buydowns How a 3-2-1 buydown works, and how to size one VWVS Written by Valley West Editorial · Reviewed by Vatche Saatdjian, NMLS #69363 (Valley West Mortgage, NMLS #65506) · Expert-reviewed Updated August 27, 2026 · 12 min read Valley West Mortgage is a Las Vegas lender, NMLS #65506. […]

What a VA IRRRL costs: the 0.5% funding fee and its exemptions, the fee schedule 38 CFR 36.4313 allows, the 1% origination cap, roll-in rules, no-cost structures, and the 36-month recoupment test, with a worked fee sheet.

The published waiting periods after a bankruptcy, foreclosure, deed in lieu or short sale, sourced to Fannie Mae B3-5.3-07 and HUD Handbook 4000.1, plus a worked Henderson example and an honest read on where a non-QM program genuinely shortens the wait.

A DSCR cash-out refinance is capped twice: once by your equity and once by the coverage ratio, which every dollar of cash-out pushes down. A Las Vegas rental worked end to end, plus the agency seasoning and loan-to-value rules it is measured against.