Home Purchase Loans
Use today's rates to make your dream home affordable. I'll get you pre-approved so you can shop with confidence and make a strong offer.
Get pre-approved
Loan Products
Fernley home loans, made simple
From first homes in the Farm District to refinances in Silver Springs and acreage out toward Fallon, here are the programs I can help you compare — all shopped across multiple lenders for competitive rates.
Refinance & Cash-Out
Lower your rate, shorten your term, or tap your equity with a cash-out refinance. I'll run a free analysis to show what you could save.
Run my numbersFHA Loans
Low down payments and flexible credit guidelines make FHA loans a popular choice for first-time and returning buyers across Nevada.
See if I qualifyVA Loans
One of the strongest benefits available to veterans and active-duty service members — often zero down, no PMI, and flexible guidelines.
Check VA eligibilityUSDA Rural Loans
Eligible rural and small-town Nevada properties may qualify for zero-down USDA financing — great for buyers outside the city core.
Check the mapJumbo Loans
For higher-value purchases above conforming limits — think larger acreage parcels and horse properties around Fernley and Lyon County.
Discuss jumbo options15- & 30-Year Fixed
Classic conventional fixed-rate mortgages. Choose a 30-year for lower payments or a 15-year to build equity and save on interest.
Compare termsNon-QM & Self-Employed
Bank-statement and alternative-documentation loans for entrepreneurs, gig workers, and real-estate investors who don't fit the standard box.
Explore options
Common Questions
Fernley home loan questions
Which loan is best for first-time buyers in Fernley?
FHA loans are a popular first-time choice thanks to low down payments and flexible credit guidelines — but USDA (zero-down, for eligible areas) and conventional loans with down payment assistance can fit better depending on your situation. I'll compare them for you.
Can I get a USDA loan in Fernley, NV?
Possibly. USDA Rural Development loans offer zero-down financing on eligible properties, and many areas in and around Fernley, Silver Springs, and Fallon can qualify. I'll check your exact address against the USDA eligibility map.
How much down payment do I need?
It depends on the loan: VA and USDA can be zero-down for eligible borrowers, FHA is as low as 3.5%, and conventional loans start around 3–5%. Nevada down payment assistance programs may help cover it.
How fast can I close?
Timelines vary, but many purchase loans close in roughly 3–4 weeks once you're under contract. Getting pre-approved first speeds everything up.
Not Sure Which Fits?
Let's figure it out together
Tell me about your goals and I'll point you to the loan that makes the most sense — no pressure, no cost.