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Las Vegas home loansLas Vegas Mortgage & Home Loans
Vegas financing, including the self-employed files.
The Las Vegas market — and how we finance it.
Las Vegas has diversified beyond gaming and hospitality into logistics, healthcare, and technology, while continuing to absorb steady in-migration from California. A large share of income here is tipped, commission-based, or self-employed, which is precisely the profile generic underwriting handles worst.
Hospitality and service professionals with variable income, California transplants, first-time buyers, and a deep investor base financing both long-term and short-term rentals.
Licensed in Nevada. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Las Vegas.
Las Vegas mortgage questions.
I earn tips and commission. Can I qualify?
Usually yes. Variable income is a documentation question rather than a disqualifier. Bank-statement programs look at deposits over time instead of a single tax year, which often reflects hospitality and commission income far more accurately.
Can you finance a short-term rental in Las Vegas?
Sometimes — local rules on short-term rentals are restrictive and vary by jurisdiction within the valley. Where the use is permitted, our DSCR program can qualify the property on its rental income.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Las Vegas, Nevada and the surrounding market.
Buying or refinancing in Las Vegas?
Start a quick, no-pressure application and we'll map the right path for your Las Vegas purchase or refinance.