FHA loans
Government-insured, built for a lower down payment.
Las Vegas-based mortgage company
Home financing, made clear.
Tell us what you're after in about a minute. A licensed loan officer lays out your options in plain English, and you choose the path that fits.
- 5.0 from 293 Google reviews
- Licensed in 9 states
Founded by Nick McGarry and Ian Duboe, here in Las Vegas.
Step 1 of 4 about a minute
What are you looking to do?
- Buy a homeFirst home, next home or investment
- RefinanceChange your rate, term or payment
- Take cash outPut your home's equity to work
- Not sure yetTalk it through with a loan officer
No income, credit or other financial details needed to start.
5.0 out of 5 stars, 293 Google reviews
Read all reviewsLoan options
Start with your goal. We'll match the loan.
Finding a great home loan means looking closely at your needs, finances and history. Pick the group that sounds like you, and we'll guide you from there.
Buying a home
First-time home buyers
Free pre-qualification and guidance at every step.
USDA loans
For eligible rural and suburban areas, with little or no down payment.
Jumbo loans
Financing for higher-priced homes, fixed or adjustable.
Veterans & service members
VA loans
May allow no down payment for eligible borrowers. No monthly PMI.
VA loans in Las Vegas
Nellis, Creech and the 2026 Clark County limits, with sources.
Refinance
Refinance
Lower the payment, shorten the term, take cash out, or VA streamline.
Investors & self-employed
Investment property
Loans for rental properties and vacation homes.
DSCR loans
Qualify on the property's rental income, not your paycheck.
Fix & flip loans
Short-term financing to buy, renovate and resell.
Bridge loans
The purchase plus renovation funds, between two sales.
Construction loans
Financing for ground-up projects.
Hard money loans
Business-purpose private money, $75,000 to $10 million.
Bank statement loans
Self-employed? Qualify using bank statements.
Payment estimate
What could a monthly payment look like?
Use your own numbers. We don't fill in a rate for you, and nothing you type is saved or sent.
- Down payment in dollars or percent
- Add taxes, insurance and HOA if you know them
- A loan officer can check the real numbers with you
How it works
A clear path from first call to closing
Here's how we keep your loan moving smoothly and quickly, with one team guiding you the whole way.
You start here
Answer four quick questions or give us a call.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned on the call and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Closing day
Documents go to the title company and you get your keys.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
Meet the founders
Real people who take the chaos out of mortgages
Our mission: create lifetime experiences by helping anyone achieve homeownership through a harmonized process. We get to know you first, so the loan we recommend fits your life, not the other way around.
Learn
Straight answers before you decide
Quick answers from our team
Videos load from YouTube only when you press play.
Where we lend
Licensed in 9 states, based in Las Vegas
Our home office is in Las Vegas. We help clients buy and refinance homes in each of these states.
- NVNevadaLicense 5523Home office
- AZArizonaBK-2009262
- CACalifornia60DBO-184219
- COColoradoRegistered
- FLFloridaMLD2232
- MIMichiganFL0025277, SR0026211
- MNMinnesotaMN-MO-2131553
- TXTexasRegistered
- WAWashingtonCL-2131553
Las Vegas home office
4300 West Tropicana Ave, Building A, Main Floor, Suites 110-132, Las Vegas, NV 89103
What does it mean to get pre-qualified?
A pre-qualification gives you an early sense that you may get approved for a mortgage before you look at your first home. Some real estate agents ask buyers to get pre-qualified before house hunting, and it can help you narrow your search. Our short quiz starts the conversation; a formal pre-approval happens later, in the secure application.
What do lenders look at?
Lenders look at your payment history, income and current debts to judge how likely you are to make each month's payment. Your credit score is one of the biggest factors. You can check your credit for free on several websites; if something looks wrong, look deeper into your report. Staying current on payments and paying down debt where you can both help.
Who is eligible for a VA home loan?
Active-duty service members, veterans, and certain National Guard and Reserve members who meet the VA's minimum service requirements may be eligible. Lenders still review credit and income. More on VA loans in Las Vegas.
What is hard money, and how does it help investors?
Hard money loans lean on the value of the property used as collateral rather than only on your financial situation. They usually cost more than traditional loans, but investors use them for faster closings, flexible terms and the option to repay quickly. See hard money loans.
Which states do you lend in?
Arizona, California, Colorado, Florida, Michigan, Minnesota, Nevada, Texas and Washington. Our home office is in Las Vegas.
What happens after I answer the questions?
A licensed loan officer reaches out the way you asked (call, text or email) for your goal analysis consultation. If you'd like to keep going right away, you can continue to our secure application with your contact details already filled in.
Your next step takes about a minute.
Tell us your goal and a licensed loan officer will lay out your options. Prefer to talk? We're a phone call away.
See my options
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103