Mortgage news and helpful tips

A non-QM lender makes home loans outside the CFPB's Qualified Mortgage definition. What that means, why it is not subprime, the main programs, and why state licensing matters more than how close the office is.

A 640 credit score clears FHA's 580 floor and most lender overlays. Here is what really decides an FHA approval at 640, and what to do if you are below it.

Duplex, triplex, or fourplex? Compare conventional, FHA, VA, and DSCR paths, 2026 Clark County loan limits by unit count, and how rental income qualifies.

No. A VA streamline refinance is capped at your balance plus authorized closing costs, so no cash comes out. The VA cash-out refinance is the one that does.

Home Possible is Freddie Mac's income-limited conventional program, not Nevada's Home Is Possible assistance. Here is how it compares with HomeReady.

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.