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Matching borrower and property to the best loan solution requires expertise, experience and program availability. Laser Mortgage offers more loan programs to meet the needs of Nevada borrowers than many banks and online lenders.


When you add the expertise and experience of Adan Saldana to the largest selection of loan programs, you're assured of closing the best and most cost effective mortgage.


Conventional One to Four Units

Backed by Fannie Mae (Federal National Mortgage Association) or Freddie Mac(Federal Home Loan Mortgage Corporation). Not insured or guaranteed by the government. The most popular type of loan for home financing. Conforming conventional loans meet Fannie Mae and Freddie Mac guidelines.



FHA

Insured by the Federal Housing Administration. Popular among first time home buyers due to lower down payment and credit score requirement.


VA

Guaranteed by the US Department of Veterans Affairs (VA Loans). Available to US Veterans, Service Members and not remarried spouses.


DPA

Various down payment assistance programs to allow buyers to purchase a home with little or no money down.


HomeReady

Backed by Fannie Mae. Allows for a 3 percent down payment. Requires mortgage insurance which may be cancelled once the equity in the home reaches 20 percent.


Jumbo

Non-conforming conventional loan (not backed by Fannie Mae or Freddie Mac) due to the loan amount being in excess of $484,350.


FHA 203K Streamline Limited

FHA loan that allows buyers and homeowners to finance the purchase plus the cost of rehabilitating a home.


USDA Rural Housing

Provides loan for buyers in eligible rural areas.


ITIN Loan

Designed for a borrower with a tax id number who has no social security number. Up to 85% with credit score of 700 or greater


FHA Streamline

Refinance an existing FHA insured mortgage with limited documentation and underwriting.


No FICO Underwriting

Loan program with no credit score needed.


FHA HUD Repair Escrow

Loan for the purchase of a home in which funds can be set aside in an escrow account for home repairs.


HELOC Purchase Only

Home Equity Line of Credit used as a second loan to cover ten percent of the down payment or more.


CALFHA California

Down payment assistance program for purchasing a California home. The program can be available for both FHA and Conventional buyers.


Mortgage Credit Certificate

Income tax credit incentive available to buyers purchasing in Nevada.


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@ 2024 ADAN SALDANA, NMLS 214926

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LASER MTG, LLC DBA LASER MORTGAGE CORPORATE NMLS 2012640 LOCATED AT 670 S GREEN VALLEY PARKWAY STE 250 HENDERSON NV 89052


NV - LICENSED BY THE NEVADA DIVISON OF MORTGAGE LENDING LICENSE # 5191;
CA - LICENSED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LICENSING ACT LICENSE # 60DBO-122821
FOR ALL LICENSES VISIT HTTP://WWW.NMLSCONSUMERACCESS.ORG


ALL LOAN PROGRAMS, TERMS AND INTEREST RATES ARE SUBJECT TO CHANGE AND/OR DISCONTINUED WITHOUT ADVANCE NOTICE. EQUAL HOUSING LENDER


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