Conventional loans in Las Vegas

Conventional home loans for Las Vegas buyers.

Conventional financing is the most common path to owning a home in Southern Nevada. I'll help you see how it fits your credit, your down payment, and your plans, and how it compares to FHA or VA before you decide.

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Conventional at a glance

Mortgage insurance can end once you build equity
Primary homes, second homes and investment properties
Compared side by side with FHA or VA

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House model on top of a mortgage application

The standard loan, explained

What a conventional loan is and who it fits.

A conventional loan is a mortgage that isn't insured or guaranteed by a government agency like FHA or the VA. It's a common choice for buyers with steady income and solid credit, and it works for primary homes, second homes, and investment properties.

The details matter. Your credit, your down payment, and your monthly debts all shape your rate, your fees, and any mortgage insurance. I'll walk you through how each piece affects your payment so there are no surprises later.

Whether you're buying your first place in Las Vegas or moving up to a bigger home in Henderson or Summerlin, conventional is usually one of the first options we look at together.

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Why this program

Why many buyers choose conventional.

Mortgage insurance can end

Once you build enough equity, conventional mortgage insurance can be removed, which lowers your monthly payment.

Flexible down payment

Low down payment options exist, and putting more down can improve your pricing. We'll compare both.

More property types

Conventional financing covers primary residences, second homes, and investment properties.

Clear comparisons

I'll put conventional side by side with FHA or VA so you can see the real difference in cost.

Is this you

A conventional loan usually fits if

You have steady, documented income
Your credit is in good shape
You want mortgage insurance that can come off later
You're buying a primary home, second home, or rental
You're moving up and using equity from your current home
You want to compare your options before you commit

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The process

How we get it done.

I'll tell you what's needed and keep you updated along the way.

Talk it through

A short call about your goals, your timeline, and your numbers. No application needed for that first conversation.

Get pre-approved

I review your income, credit, and assets so you know your real price range before you start shopping.

Lock and underwrite

Once you're under contract, we lock your rate and I keep your file moving through underwriting.

Close

You sign, get your keys, and still have me to call if questions come up after closing.

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Areas served

Rooted in Las Vegas, licensed in nine states.

I help homebuyers and homeowners throughout the Las Vegas valley, from Summerlin and Centennial Hills to Henderson, Green Valley, North Las Vegas, Enterprise, and Spring Valley, and out to Pahrump. My office is at 5516 S. Fort Apache Rd., Suite 120, in southwest Las Vegas.

Licensed states

Where Mark can help

Mark works out of NOVA Home Loans' southwest Las Vegas office and is licensed to originate loans in Nevada, Arizona, California, Colorado, North Carolina, Oregon, Pennsylvania, Texas, and Washington. Program availability varies by state. Verify licensing at NMLS Consumer Access (NMLS #351484).

NVNevadaAZArizonaCACaliforniaCOColoradoNCNorth CarolinaOROregonPAPennsylvaniaTXTexasWAWashington

FAQs

Conventional loan questions.

Straight answers to what borrowers ask most. Don't see yours? Just ask.

Have a question? Let's talk.

From your first home purchase to your next investment property, reach out and let's talk through your options.

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Do I need a big down payment?

Not always. There are conventional options with a smaller down payment. Putting more down can lower your payment and help you avoid mortgage insurance, so we'll run the numbers both ways.

When does mortgage insurance come off?

Conventional mortgage insurance can generally be removed once you reach the required equity, based on the loan program's rules. I'll explain how that works for your specific loan.

Conventional or FHA, which is better for me?

It depends on your credit, your down payment, and your monthly debts. FHA is often more flexible on credit, and conventional can cost less over time when you qualify. I'll compare both so you can see the difference.

How long does it take to close?

Every file is different. Timing depends on your contract, the appraisal, and how quickly documents come in. I'll give you a realistic timeline up front and keep you updated the whole way.

What areas do you serve?

I'm based in Las Vegas and help borrowers across Southern Nevada, including Summerlin, Henderson, North Las Vegas, Enterprise, Spring Valley, and Pahrump. I'm also licensed in other states, so reach out and I'll confirm availability for your location and loan program.

Mark Sangster, Senior Loan Officer, NMLS #351484. NOVA Financial & Investment Corporation, DBA NOVA Home Loans, NMLS #3087. 5516 S. Fort Apache Rd., Suite 120, Las Vegas, NV 89148. Office (702) 463-6682. Verify licensing at www.nmlsconsumeraccess.org. This is not a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and program guidelines. Programs, rates, terms, and availability are subject to change without notice. Equal Housing Opportunity.

Next step

Let's look at your numbers.

Send me the basics and I'll walk you through your options and what your payment could look like. No pressure, just straight answers.

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