FHA loans
Government-insured, built for a lower down payment.
Loan options, explained simply
Every loan we offer, one short card each. Open a loan's page for the details, or tap See my options and we'll take it 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.
Harmony Home Loans, LLC is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government. Harmony Home Loans is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.