Edited and reviewed by CEO Vatche Saatdjian — 30+ years Nevada experience — FHA loan specialist NMLS #65506
Clear answers to your FHA loan questions—written for first-time Nevada homebuyers. No confusing jargon, just helpful guidance to get you from renting to owning.
Everything you need to know about 3.5% down FHA loans
Credit requirements • Down payment help • Nevada programs • Timeline expectations • No sales pressure
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Follow this simple 4-step path to understand the homebuying process from start to finish.
Understand the homebuying process, timeline, and what to expect as a first-time buyer in Nevada.
Read GuideLearn the differences between FHA, VA, and conventional loans to find the best fit for your situation.
Compare OptionsUse our affordability calculator to see how much house you can comfortably afford based on your income.
Calculate NowApply for pre-approval online and get your mortgage approval letter to start house hunting with confidence.
Start ApplicationThe articles Nevada homebuyers read most often
Everything you need to know about FHA loans including requirements, benefits, and how to qualify with as little as 3.5% down.
Read Full GuideComplete step-by-step guide for first-time buyers covering loan programs, down payment options, and avoiding common mistakes.
Start LearningLearn VA loan eligibility requirements, how to get your Certificate of Eligibility, and buy with $0 down as a Nevada veteran.
Learn MoreSide-by-side comparison of FHA and conventional loans covering requirements, costs, and which option is best for your situation.
Compare NowDiscover the minimum credit score needed for FHA loans and strategies to qualify even with lower credit scores.
Check RequirementsExplore Nevada state programs, grants, and assistance options to help with down payment and closing costs.
Find ProgramsFree calculators to help plan your home purchase or refinance
Find helpful guides organized by your needs and interests
All FHA requirements and benefits
Minimum scores and approval tips
What FHA appraisers look for
How student loans affect approval
Family gift rules and documentation
Fast refi with no appraisal needed
Complete eligibility guide
Step-by-step COE application
5 major advantages for veterans
Which option is best for you
Lower your VA mortgage rate fast
PCS guide for military families
Complete step-by-step process
Local Las Vegas buyer guide
State assistance and grants
Buy with 3% down or less
Don't make these common errors
Are you ready to buy?
Turn home equity into cash
No appraisal refinance option
Eliminate MIP through refinancing
Recovery options for homeowners
Compare loan terms and savings
When to lock your interest rate
Calculate your buying power
Know the key differences
How DTI affects mortgage approval
Complete cost breakdown
FHA MIP vs PMI comparison
What's the difference?
Apply for pre-approval online and get your mortgage approval letter in minutes. No pressure, no obligation—just helpful guidance from Nevada mortgage experts.
Nevada specialists who understand the local market
Get pre-approved in as little as 15 minutes
Educational approach with personalized service
Quick answers to common mortgage learning questions
Start with our Nevada First-Time Homebuyer Complete Guide. This walks you through the entire process from understanding loan options to closing day. Then, use our affordability calculator to see how much house you can afford. Finally, get pre-approved to start shopping with confidence.
If you're a veteran or active military, start with VA loans—they offer $0 down and no mortgage insurance. For everyone else, compare FHA vs conventional loans. FHA loans allow lower credit scores and just 3.5% down, while conventional loans may offer better rates if you have good credit and 5%+ down payment.
Mortgage rates change daily based on economic factors, your credit score, down payment, and loan type. Learn how they work in our Federal Reserve and mortgage rates guide. For current Nevada rates, visit our mortgage rates page updated daily, or request a personalized rate quote based on your specific situation.
Pre-approval typically takes 15 minutes to 24 hours. Once you're under contract on a home, the full mortgage process takes 30-45 days from application to closing. Learn the complete timeline in our FHA loan timeline guide. Factors that speed up the process include having all documents ready, responding quickly to requests, and working with an experienced loan officer.
Yes! FHA loans accept credit scores as low as 580 (sometimes 500 with larger down payments). Read our FHA credit score guide for strategies to qualify. Student loans don't automatically disqualify you—learn how lenders calculate student debt in our student loan debt guide. We specialize in helping borrowers with unique credit situations find financing solutions.
Nevada mortgage rates are typically close to national averages but can vary based on local market conditions, property values, and lender competition. As a Nevada-focused lender, we offer competitive rates tailored to Las Vegas, Reno, Henderson, and statewide markets. Your personal rate depends on credit score, down payment, loan type, and property location. Request a personalized rate quote for your specific situation.
Yes, our mortgage calculators provide accurate estimates for Nevada homebuyers. They factor in current rate ranges, standard Nevada property tax rates, and typical insurance costs for Las Vegas, Henderson, and Reno areas. For the most precise numbers specific to your situation and property, request a detailed loan estimate from our team.
Absolutely! These educational resources are designed to help you learn at your own pace. When you're ready for personalized guidance, our Nevada loan officers provide one-on-one consultations to answer your specific questions, review your financial situation, and recommend the best loan options for your goals. Start your application or contact us to connect with a local expert.