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Las Vegas loan broker for home purchase, refinance, and Nevada hard money lenders
Conventional |FHA | VA| Jumbo| Luxury | Refinance | HELOC | Private Money | Commercial Lending
Mortgage Solutions for
Homebuyers, Homeowners, & Real Estate investors
South Wind Financial, Inc
(702) 876-3600 office
Company NMLS #9462
Agent NMLS #382900
Agent 6603 | CA-DFP1382900
AZ 1032777 | FL L0101736
Jacqueline O'Shaughnessy
Jacquieo22@aol.com


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Questions? Shoot me an email
over 29 years experience


What Happens During the Mortgage Process? Step by Step Guide.
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.

Jacqueline OShaughnessy
Jul 183 min read


A New Housing Law Just Passed. Here's What It Means for Las Vegas Buyers.
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.

Jacqueline OShaughnessy
Jul 123 min read


What Are Closing Costs? Understanding the Expenses Beyond Your Down Payment.
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.

Jacqueline OShaughnessy
Jul 73 min read


🎉 Celebrating Nurses Night 2026! Healthcare Heroes Deserve More Than a Thank You. They Deserve a Mortgage Professional Who Understands Their Career!
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.

Jacqueline OShaughnessy
Jun 303 min read


Is Private Money Expensive? Maybe You're Asking the Wrong Question.
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.

Jacqueline OShaughnessy
Jun 304 min read


What Is an Exit Strategy, and Why Does Every Private Lender Ask About It?
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.

Jacqueline OShaughnessy
Jun 304 min read


How Does a Private Money Lender Evaluate My Loan?
What does it take to qualify for a private capital loan? What do they look at?

Jacqueline OShaughnessy
Jun 304 min read


What Credit Score Do I Need to Buy a House in Nevada?
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?

Jacqueline OShaughnessy
Jun 304 min read


Can I Buy a Home with Student Loans? Yes, You May Still Qualify.
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!

Jacqueline OShaughnessy
Jun 303 min read


How Much House Can I Afford? The Bank's Number and Your Number May Be Different
How much can I afford, how much should I afford when buying a home in Nevada and the greater Las Vegas area?

Jacqueline OShaughnessy
Jun 303 min read


HELOC vs. Cash-Out Refinance: Which Is Right for You? It Depends on Your Goals
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?

Jacqueline OShaughnessy
Jun 304 min read


Should I Refinance to Pay Off Debt? A Cash-Out Refinance Calculator for Your Monthly Budget.
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

Jacqueline OShaughnessy
Jun 303 min read


The New Nurse Practitioner Who Got Denied a Mortgage — Even Though She Was About to Make More Money Than Ever
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

Jacqueline OShaughnessy
Jun 294 min read


The Renter Who Didn't Think She Could Buy a House — And What Changed Her Mind
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.

Jacqueline OShaughnessy
Jun 294 min read


How Do I Buy a House in Nevada, when My Income Is Based on Tips?
One of the most common misconceptions I hear is that if a large portion of your income comes from tips, you won't qualify for a mortgage. In Las Vegas, that concern comes up all the time. Bartenders, casino dealers, servers, hairstylists, valets, spa professionals, and many others earn excellent incomes, but traditional mortgage guidelines don't always tell the full story. A W-2 may not accurately reflect what someone actually earns, and that can create challenges when apply

Jacqueline OShaughnessy
Jun 232 min read


What mortgage options are available for Doctor's in Nevada?
After nearly 30 years in mortgage lending, one of the biggest misconceptions I hear from healthcare professionals is that they need a large down payment or years of savings before they can buy a home. The reality is that many doctors, dentists, residents, and other medical professionals may qualify for financing options that were specifically designed with their career path in mind. Healthcare professionals often face unique challenges when purchasing a home. Many have sign

Jacqueline OShaughnessy
Jun 232 min read
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