Phil Cory

Jumbo Loans Las Vegas: Loan Limits, Down Payments, and When to Refinance

Jumbo Loans Las Vegas: Loan Limits, Down Payments, and When to Refinance

Mortgage /

The $832,750 Line That Splits Your Mortgage Options in Half Somewhere along the Las Vegas Strip, a three-bedroom house just crossed the line. Not literally—nobody painted anything on the sidewalk. But the Federal Housing Finance Agency set the 2026 baseline conforming loan limit at $832,750 for a single-unit property, up from $806,500 in 2025. Borrow […]

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Investment Property Loans Las Vegas: DSCR, Down Payment, and Cash Flow Numbers

Investment Property Loans Las Vegas: DSCR, Down Payment, and Cash Flow Numbers

VA Loans /

A Duplex on Boulder Highway Just Taught Someone an Expensive Lesson Last month, a buyer closed on a duplex near Boulder Highway pulling $2,800 a month in rent. Sounds solid until you learn the monthly mortgage payment—principal, interest, taxes, insurance, HOA—landed at $3,100. That’s a DSCR of 0.90. The deal bled cash from day one,

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How Long Does Mortgage Pre-Approval Take in the Las Vegas Home Loan Process

How Long Does Mortgage Pre-Approval Take in the Las Vegas Home Loan Process

Conventional Loans /

Forty-Eight Hours Can Change Everything in a Las Vegas Bidding War A house you love just hit the MLS in Henderson. Three bedrooms, upgraded kitchen, backyard big enough for a dog. By Thursday morning, four offers are already on the table. Yours isn’t one of them — because you’re still waiting on a pre-approval letter

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How Your DTI Ratio Shapes Which Home Loan Las Vegas Lenders Will Approve

How Your DTI Ratio Shapes Which Home Loan Las Vegas Lenders Will Approve

FHA Loans /

Two Identical Paychecks, Two Completely Different Answers A buddy of yours makes the same money you do. Same employer, similar hours, comparable credit scores. Both of you walk into a lender’s office looking for a home loan Las Vegas style—maybe a three-bedroom in Henderson, maybe something closer to the Strip. One of you walks out

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First Time Home Buyer in Las Vegas: How Long Pre-Approval Actually Takes

First Time Home Buyer in Las Vegas: How Long Pre-Approval Actually Takes

Self-Employed Borrowers /

Thirty-Eight Days and Counting Down That’s roughly how long the average single-family home sits on the Las Vegas market right now — 38 days, according to Nevada Real Estate Group’s 2026 buyer guide. Sounds like plenty of breathing room until you realize you haven’t even started paperwork yet. Every day you spend sorting through pay

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FHA Loans in Las Vegas: Down Payment, Credit Score, and Closing Costs Explained

FHA Loans in Las Vegas: Down Payment, Credit Score, and Closing Costs Explained

Las Vegas Mortgage /

A $400,000 House for a Few Thousand Out of Pocket — The Math Actually Works Sounds like a late-night infomercial pitch, right? Except this one checks out. An FHA loan on a $400,000 Las Vegas home requires $14,000 down at minimum. Stack Nevada’s down payment assistance programs on top, toss in seller concessions, and that

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Conventional Mortgage in Las Vegas With Down Payment Assistance: How It Works

Conventional Mortgage in Las Vegas With Down Payment Assistance: How It Works

First-Time Homebuyers /

Three Percent of $420,000 Is Still $12,600 You Might Not Have Run that math on the median Las Vegas home price and the minimum conventional mortgage Las Vegas down payment. Twelve thousand six hundred dollars. Before closing costs, before inspections, before the moving truck. That number stops people cold—even people with steady income and decent

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