Home Loans

Six instruments, one practice.

We work with more than twenty wholesale lenders — which means we're uncommitted to any single product, and free to recommend the structure that best fits your file. A short, considered conversation precedes every recommendation.

Single-family home in Summerlin
Single Family · NV
01 — Conventional

Conventional

The foundational instrument for buyers with strong credit and a meaningful down payment. Fixed-rate from 10 to 30 years; ARM structures from 5/1 through 10/1.

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Young couple unpacking in their new kitchen
First-Time Buyer
02 — FHA

FHA

A federally-insured option for first-time buyers and those rebuilding. Down payments from 3.5%; flexible underwriting around credit, debt, and gift funds.

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Service member with her family
Service Member
03 — VA

VA

For active-duty service members, veterans, and qualifying spouses. Zero down payment, no PMI, and a Funding Fee that may be waived for disabled veterans.

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Hillside home at twilight
Estate Property
04 — Jumbo

Jumbo

For property values exceeding the conforming limit. Loan amounts to $5M, in-house underwriting, asset-depletion options, and a white-glove timeline.

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Couple reviewing refinance paperwork
Equity Reset
05 — Refinance

Refinance

Lower a rate, shorten a term, or restructure when the curve shifts. Rate-and-term, cash-out, and streamline options across conventional, FHA, and VA programs.

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Warm home interior
Liquidity
06 — HELOC

HELOC

A revolving line against your home equity — drawn flexibly for renovation, investment, or working capital. Interest-only options available.

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A Side-by-Side

The instruments, at a glance.

For the buyer who appreciates the long view of options. Final eligibility is always reviewed in conversation; the table is a directional reference, not a contract.

Loan Type Down Min. Credit Min. Loan Limit (NV) Typical Use Case
Conventional3%620$766,550Buyers with stable income, established credit, and meaningful savings.
FHA3.5%580$524,225First-time buyers; credit rebuilders; buyers with gift funds for down payment.
VA0%580No limitActive-duty, veterans, qualifying spouses. No PMI, no down payment required.
Jumbo10%700$5,000,000Property purchase above conforming limit; high-income or high-asset buyers.
Refinance— (existing equity)620VariesExisting owners adjusting rate, term, or extracting equity.
HELOC— (equity-based)68085% CLTVOwners drawing flexible liquidity for renovation, investment, or reserves.
Not Sure Which?

Begin with a conversation.

We'll review your timeline, your file, and your goals — then recommend the instrument that fits.

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