Phil Cory

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Mortgage Pre-Approval Requirements Las Vegas Buyers Face When Closing Costs Are Tight

Mortgage Pre-Approval /

You’ve Got the Down Payment — But What About Everything Else? A scenario I see constantly in my office: a Las Vegas buyer scrapes together 3.5% down for an FHA loan on a $400,000 house. That’s $14,000. Done. Except closing costs add another $10,000 to $14,000. Then there’s the earnest money deposit, the home inspection,

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Las Vegas Mortgage Pre-Approval After a Recent Job Change or New Income

Mortgage Pre-Approval /

You Just Got a Better Job — and Now Your Lender Won’t Call You Back Funny thing about mortgage lending. You’d think a $15,000 raise would make a lender thrilled. Instead, your file just got flagged for extra review, your loan officer’s asking for documents you didn’t know existed, and the pre-approval letter you expected

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Mortgage Closing Costs Las Vegas: What the Calculator Doesn’t Show You

Las Vegas Mortgage /

Your Online Estimate Was Off by $6,000—Where the Money Went You plugged your numbers into a closing cost calculator, got a tidy figure, and built your budget around it. Then the actual Closing Disclosure showed up three days before signing, and suddenly you needed thousands more than you’d planned. This happens constantly in Clark County.

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VA Loans and Down Payment Assistance: What Las Vegas Veterans Actually Qualify For

Las Vegas Mortgage /

Your VA Loan Already Covers the Down Payment — So Why Are We Talking About Assistance? Fair question. A VA purchase loan requires zero down payment for eligible veterans, active-duty service members, and qualifying surviving spouses. The VA Purchase Loan page confirms it. No 3.5% like FHA. No 3% like conventional. Zero. So where does

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Las Vegas Refinance Programs That Pair With Down Payment Assistance on July Files

Las Vegas Mortgage /

You Already Own the House—So Why Does DPA Still Matter? A question most homeowners never think to ask: what happens to that down payment assistance you received when you bought your place? Depending on the program, the answer changes everything about whether refinancing makes sense right now—or whether it’ll cost you money you didn’t expect

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Conventional Mortgage Las Vegas: Which Down Payment Assistance Programs Stack in March

Las Vegas Mortgage /

You’ve Got $12,600 for a Down Payment. But What If You Could Get Someone Else to Cover Most of It? That figure, $12,600, is 3% of a $420,000 home, which sits right around the Las Vegas median. Maybe you’ve saved it. Maybe you haven’t. Either way, pulling together that cash plus closing costs plus moving

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Mortgage Rates Las Vegas Buyers See When Down Payment Assistance Stacks in February

Las Vegas Mortgage /

February’s Hidden Math: Why Your Quoted Rate Isn’t the Number That Matters Most Something trips up almost every buyer I talk to. They call, ask “what’s the rate,” and when I mention down payment assistance, they assume it’ll jack that rate through the roof. Sometimes it does bump it. But the rate isn’t where the

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Las Vegas Refinance With Down Payment Assistance: Which December Programs Still Stack

Las Vegas Mortgage /

You Already Got Help Buying Your House — Can You Refinance Without Losing It? Maybe you bought your Las Vegas home two years ago with $15,000 in down payment assistance from a state or local program. Rates have shifted. Your equity’s grown. And now you’re wondering whether a refinance would save you money — or

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