Las Vegas loan broker for home purchase, refinance, and Nevada hard money lenders

Berkshire Hathaway, Warren Buffett's company, recently made an $8.5 billion investment in one of America's largest homebuilders. As a Las Vegas mortgage professional with nearly 30 years of experience, here's why I believe this long-term investment matters for today's homebuyers.

The mortgage process doesn't have to be confusing. Learn what happens after you're pre-approved, what documents your lender will request, how underwriting works, and what to expect before closing day.

By Jacqueline O'Shaughnessy, Loan Officer / Private Capital, NMLS #382900 — South Wind Financial, Inc, NMLS #9462 — Las Vegas, NV Buying a home is one of the biggest financial decisions you'll ever make, but many people never begin the process because they believe they need a huge savings account. One of the biggest myths in real estate is that you must have a 20% down payment before you can buy a home. The reality is that many buyers purchase a home with much less cash than

By Jacqueline O'Shaughnessy, Loan Officer / Private Capital, NMLS #382900 — South Wind Financial, Inc, NMLS #9462 — Las Vegas, NV A first-time buyer guide you can do with a pen, a napkin, and five minutes. Meet Emily Emily has rented the same apartment for four years. Every time rent goes up, she thinks the same thing: "I should just buy a place. And every time, the same wall goes up: "I don't think I can afford to buy." She's not afraid of owning a home. She's afraid of the

By Jacqueline O'Shaughnessy, Loan Officer / Private Capital, NMLS #382900 — South Wind Financial, Inc, NMLS #9462 — Las Vegas, NV Who is this Home Guide for? Buying a home is a big step, and understanding the loan process can feel overwhelming. When I first started looking into mortgages, I quickly realized that knowing the basics helps me make smarter decisions. One of the most common types of home loans is the conventional mortgage. Today, I want to walk you through the e

Nurses, doctors & healthcare workers in Nevada may qualify for home loans with zero down, no mortgage insurance & flexible student loan rules. Learn how.

Did you know the seller may be able to help pay your closing costs? Learn how seller concessions work, when they can save you more than a lower purchase price, and why the right mortgage strategy can keep more money in your pocket.

Closing costs are one of the biggest surprises for first-time homebuyers. Learn what closing costs include, who may help pay them, and how to prepare before buying your home.

Think you need years to save for a down payment? Many homebuyers qualify sooner than they expect with Down Payment Assistance programs. Learn how DPA may help with your down payment, closing costs, and your path to homeownership.

If you are interested in participating in a UNLV study and Live in the greater Las Vegas area, sign up today. Remember @themortgagerx is always here when you are ready to purchase or refinance your home!

Ask better questions about your investment. If the bank wont lend you money and you still want your investment opportunity, taking a short term loan to purchase the property, clean it up flip it, refinance it or hold and rent.

What does it take to qualify for a private capital loan? What do they look at?

Private Capital Loans are based on equity loans; Private Investors want you to have skin in the game, meaning a vested interest so you complete the project.

What credit score do I need to buy a home in Nevada? How do I fix my credit score if I am not quite ready? Can the @themortgagerx help?

I have a lot of student loan debt and I am afraid I don't qualify for a home loan. Everything you need to know about buying a home with student loans!

How much can I afford, how much should I afford when buying a home in Nevada and the greater Las Vegas area?

Should I use a HELOC or a Cash-Out Refinance to pull money out of my home equity? How do I decide which one is right for me? Is it a HELOC loan or a Cash-Out refinance?

with debt at a high in the united states, even with a low rate on your mortgage you may save money with a refinance on your home loan

By Jacqueline O'Shaughnessy, Loan Officer / Private Capital, NMLS #382900 — South Wind Financial, Inc, NMLS #9462 — Las Vegas, NV Devon had been a registered nurse for five years, working nights in a Las Vegas hospital and going to school in between shifts. She was three months from finishing her Nurse Practitioner program. She had a job offer already in hand — a higher salary than she'd ever made as an RN. So when she applied for a mortgage to buy her first home, she expecte

Most renters think they need 20% down and perfect credit to buy a home. Here's how an FHA loan and Nevada down payment assistance helped one Las Vegas renter find out she could afford more than she thought.