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

Qualifying for a conventional mortgage doesn't have to be confusing. This guide breaks down the credit, income, assets, debt-to-income ratio, down payment, and documentation lenders review so you can prepare with confidence before applying for a home loan.

Private money doesn't have to be confusing. This guide answers the most common questions Realtors and investors ask about hard money lending, asset-based financing, and fast closings.

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 One of the biggest questions homebuyers ask is, "How much should I put down?" "What is the down payment?" For years, many people believed a 20% down payment was required to buy a home. While putting 20% down can eliminate private mortgage insurance (PMI) on many conventional loans, it's far from the only option. The best down payment isn't always

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

A new federal housing law limits big investors and aims to boost home supply. Here's what it means for Las Vegas buyers — and why getting ready now matters.

Can your family help you buy a home? Learn how gift funds, co-signers, and family assistance may help with your down payment and closing costs and why planning ahead makes the process easier.

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.

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!

This is a night to show nurses appreciation. We love our "ACES" basketball. Its a fun night out, hit the link in the blog to get your discounted tickets.

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.

Everyone should know understand their exit strategies and decide upon a back up plan. This way you will be able to pay off your Private Money Loan when needed.

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.

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?