Discover Financing,
Re-Imagined.
Explore every path to homeownership — with guidance, clarity, and an experience built around you.
Every homeowner’s journey is unique — and your financing should reflect that. Below, you’ll find an overview of the most common loan types. While each offers its own advantages, our role is to help you interpret the details and design a plan that fits your goals and lifestyle with precision.
Explore Loan Programs
FHA Loans
Ideal for first-time buyers with flexible credit requirements and low down payment options.
Learn MoreConventional Loans
A standard option with competitive rates for buyers with strong credit profiles.
Learn MoreITIN Loans
A pathway to homeownership for borrowers who pay taxes with an ITIN instead of an SSN.
Learn MoreManufactured Home Loans
Specialized financing for purchasing a manufactured home along with the land it sits on.
Learn MoreVA Loans
An exclusive benefit for eligible veterans and service members, often with no down payment required.
Learn MoreUSDA Loans
For eligible rural and suburban areas, offering low or no down payment options.
Learn MoreOwner Finance
Explore flexible financing where the seller acts as the lender, offering unique terms.
Learn MoreExploring Loan Options Is Just the Beginning
Understanding your credit helps us craft a plan that aligns with your timeline and goals. Whether you’re ready to buy now or building toward it, we’ll guide you every step of the way with **clarity, care, and a strategy designed around your success.**
Once you’ve explored your loan options, understanding your credit ensures every decision ahead is informed and intentional.
Understanding Credit, Re-Imagined
Checking Your Credit
Preparation is the foundation of a confident home purchase. Knowing where your credit stands helps ensure your financing experience is seamless from the start.
Before meeting with a lender, review your credit report and score using trusted tools like **Credit Karma** or **Capital One’s CreditWise**. These free resources offer a snapshot of your VantageScore — perfect for monitoring your progress. When you’re ready to move forward, your lender will review your official **FICO® score** as part of pre-approval, so there’s no need to pay for one yourself.
What Lenders Consider
- **Payment & Rental History:** Consistent, on-time payments build trust.
- **Credit Utilization:** Keeping usage under 30% of available credit helps maintain balance.
- **Length of Credit History:** Older, well-managed accounts strengthen your overall profile.
- **Income & Employment:** Stable, verifiable income reassures lenders.
- **Assets:** Transparency about the source of your down payment supports your approval process.
Avoid Common Pitfalls
Be cautious of companies claiming to “sweep” or erase debts for a fee. These practices are **illegal** and often cause long-term harm. True credit improvement takes time, strategy, and the right guidance — and we’ll always help you focus on legitimate, effective steps.
Trusted Resources
- FTC Consumer Advice – Reliable information on credit, debt, and scams.
- AnnualCreditReport.com – Get your free credit reports from all three bureaus, once per year.
- CFPB Templates – Free dispute letters and tools for correcting legitimate errors.
Contact
info@nvhomeslv.com | NV License Numbers
4495 South Pecos Road
Las Vegas, NV 89121
