PurchaseBuy a home
A pre-approval sellers and agents take seriously, built on a real review of your file.
- First-time & move-up buyers
- FHA, VA, conventional & jumbo
Las VegasMortgage guidance since 1997
A clearer path to your next home loan.
Buying a home or exploring a refinance? Work with Mark Sangster, Senior Loan Officer at NOVA Home Loans. Get straightforward answers, a thoughtful loan plan, and support from first conversation through closing.
No jargon, no pressurePurchase, refinance & equityLocal Las Vegas office
Start hereNo application, no pressure
What are you looking to do?
Buy a homePre-approval sellers take seriously
FHA loansA little more flexibility
VA loansPut your benefit to work
Jumbo loansHigher-priced Las Vegas homes
Lower my paymentCompare costs & break-even
Pay it off soonerShorten your term
Drop mortgage insuranceSee if it makes sense
Cash-out refinanceDebt or a project
Secure application through NOVA Home Loans
Mortgage solutions
One loan officer, every path.
More options. Honest guidance. Personal service. Tell Mark where you're headed and he'll help you build the loan plan to get there.
Purchase
RefinanceRefinance
More than chasing a rate. Lower the payment, shorten the term or drop mortgage insurance.
- Break-even math up front
- Rate-and-term or cash-out
Home equityTap your equity
Use your equity without giving up the rate on your first mortgage.
- HELOC or home equity loan
- Compared against cash-out
InvestorsInvest
Financing guidance from someone who knows the numbers, before you commit.
- DSCR & bank statement
- First rental or a portfolio
Loan programs
Home loans built around you.
Every borrower is different. Mark will walk you through how each program fits your credit, your down payment and your plans before you decide.
Government
FHA Loans
Flexibility for first-time buyers and anyone whose credit or savings aren't quite where they want them yet.
Learn about FHA
Veterans
VA Loans
For veterans, active duty members and military families near Nellis AFB and across the Las Vegas valley.
Learn about VA
Most common
Conventional
The most common path to owning a home in Southern Nevada, compared side by side with FHA or VA.
Learn about conventional
Luxury
Jumbo Loans
For loan amounts above the Clark County conforming limit, from The Ridges to Southern Highlands.
Learn about jumbo
Equity
Home Equity & HELOC
A lump sum or a line of credit that sits behind your first mortgage, so your rate stays where it is.
Learn about HELOCs
Investors
Investor & DSCR
DSCR programs can qualify based on the property's rental income rather than your personal income.
Learn about investor loans
Age 62+
Reverse Mortgage (HECM)
An FHA-insured option that lets homeowners 62 and older turn part of their equity into cash, with no required monthly mortgage payment.
Learn about reverse mortgages
Not sure?
Ask Mark
Tell Mark what you're trying to do and he'll explain which programs may fit, in plain language, before you apply.
Start a conversation
Program availability and eligibility vary; let’s discuss what may fit your situation.
Mark Sangster | NMLS #351484
Payment estimator
What could your payment look like?
Plug in a price, a down payment and the rate you've been quoted to see an estimated monthly payment. Then let Mark show you the real numbers.
Mortgage calculator
Estimate your monthly payment
Principal & interest plus optional taxes, insurance and HOA.
$
%
$45,000 down%
Use a rate you've been quotedLoan term
$
$
$
Estimated monthly payment
$— /mo
Loan amount $405,000 · enter a rate to calculate
Principal & interest—
Property tax$0
Home insurance$0
HOA dues$0
For illustration only. Not a loan offer or rate quote. Does not include mortgage insurance or other costs. Actual rates, payments and terms depend on credit, property, program and underwriting.
Renting now? Compare buying vs. renting.See how the cost of owning stacks up against your rent over the years you plan to stay.
Buy vs. Rent Calculator
NMLS #351484
Southwest Las Vegas office5516 S. Fort Apache Rd., Suite 120
Meet Mark
I'm Mark, and I'm here to help.
I'm a Senior Loan Officer with NOVA Home Loans in Las Vegas. I focus on clear answers, personal attention, and a loan plan built around your goals.
I've been a loan officer since 1997 and work out of NOVA's southwest Las Vegas office. I know the valley and what it takes to get a Southern Nevada loan to the closing table. I'll explain your options in plain language, show you what each one costs, and help you decide what fits your goals and budget.
“Honest guidance. Personalized service. Mortgage solutions that fit.”
Mark Sangster, Senior Loan Officer
01
Solutions-Focused
If one path doesn't work, I'll look for another and tell you honestly what your options are.
02
Honest Guidance
Straight answers and no pressure. If something isn't right for you, I'll say so.
03
Communication First
You'll always know where your loan stands and what happens next. No wondering, no chasing me down.
04
Treated Like Family
Personal attention from the first conversation through closing, and after.
Meet Mark on video
Watch: how Mark works with you.
A quick look at how Mark keeps you and your agent informed from pre-approval to closing.
Why Work With Me as Your Las Vegas Loan Officer
How Mark works with buyers and their agents to keep everyone informed and avoid surprises from pre-approval to closing.
How it works
Four steps, no surprises.
I'll tell you what's needed, help you gather the right documents, and keep you updated along the way.
01
Connect
Tell me your goals, your timeline, and what you're comfortable spending. No application, no pressure.
02
Get Pre-Approved
I review your income, credit, and assets so your offer is taken seriously when a listing agent sees it.
03
Shop With Confidence
You'll know your real price range and estimated monthly payment, so you can focus on homes that work.
04
Close & Get Your Keys
I keep your file moving and keep you and your agent updated all the way to closing day.
01
Connect
Tell me what you want a refinance to do for you. Lower payment, shorter term, or cash out. No application, no pressure.
02
Run the Numbers
I compare your options and show you the estimated savings and the break-even point. If it doesn't make sense, I'll say so.
03
Lock & Process
We lock your rate and I keep your file moving through underwriting.
04
Close
Sign your final documents and start seeing the difference in your monthly budget.
Client reviews
What borrowers say about working with Mark.
300+
★★★★★
More than 300 client reviews on Experience.com from homebuyers and homeowners across Las Vegas, Henderson, North Las Vegas and the rest of Southern Nevada.
You are leaving this site to visit Experience.com, a third-party review site.
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Areas served
Rooted in Las Vegas.
Mark helps homebuyers and homeowners throughout the Las Vegas valley and Southern Nevada, and he's licensed in Arizona, California, Colorado, North Carolina, Oregon, Pennsylvania, Texas, and Washington too.
Las VegasHome office in southwest Las Vegas
HendersonIncluding Green Valley
SummerlinWest valley & Centennial Hills
North Las VegasNear Nellis AFB
Enterprise & Spring ValleySouthwest valley
PahrumpNye County
Also serving: The Ridges, Southern Highlands, MacDonald Highlands, Lake Las Vegas and military families near Nellis AFB and Creech AFB. Licensed in NV, AZ, CA, CO, NC, OR, PA, TX, WA. Contact Mark to confirm availability for your location and loan program.
Office5516 S. Fort Apache Rd., Suite 120
Las Vegas, NV 89148
Las Vegas, NV 89148
Call or text Mark(702) 813-3163 · Office (702) 216-3924
Email[email protected]
HoursMonday to Friday, 8:00 AM to 5:00 PM
Evenings and weekends by appointment
Evenings and weekends by appointment
FAQs
Frequently asked questions.
Straight answers to what Las Vegas borrowers ask most. Don't see yours? Just ask.
What areas do you serve?
Mark is based in Las Vegas and helps borrowers across Southern Nevada, including Summerlin, Henderson, North Las Vegas, Enterprise, Spring Valley, and Pahrump. He is also licensed in other states. Contact Mark to confirm availability for your location and loan program.
What types of loans do you offer?
Mark can discuss purchase and refinance options, including FHA, VA, USDA, conventional, jumbo, reverse mortgage / HECM, down payment assistance, non-QM, self-employed, bank statement, investment / DSCR, and HELOC programs. Availability and eligibility depend on location, program guidelines, and borrower qualifications.
What's the difference between pre-qualified and pre-approved?
A quick online pre-qualification is an estimate based on what you typed into a form. A pre-approval means Mark has reviewed your income, your credit, and your assets before you write an offer. In a competitive Las Vegas market, listing agents look closely at the letter that comes with your offer.
What if another lender already said no?
If another lender declined your application, Mark can review the reasons and discuss whether a different program or approach may be appropriate. Approval is never guaranteed and depends on underwriting, program rules, and borrower qualifications.
HELOC or cash-out refinance: which is better?
If you locked in a low mortgage rate, a cash-out refinance means giving that rate up on your entire balance. A home equity loan or a HELOC doesn't touch your first mortgage. Sometimes a cash-out refinance is the better fit, and if that's your situation, Mark will tell you.
How does the loan process work?
The process starts with a conversation about your goals, timeline, and finances. Mark can explain potential options, outline application documents, and help you understand key milestones. Timing varies by loan and individual circumstances; final terms and approval are subject to underwriting.
Let's talk financing
Ready to make your move? Let's talk.
Whether you're buying, refinancing, or investing, let's talk through your options. No pressure, just straight answers.