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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Nevada
  4. Las Vegas
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Las Vegas, NV

How much house can you afford in Las Vegas? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Las Vegas

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Robert St. John Loan Officer with Barrett Financial Group

Verified

With access to over 100 wholesale lenders, Barrett Financial Group specializes in competitive mortgage solutions for a wide range of borrowers, including first-time buyers and real estate investors. The team offers services from conventional loans to complex financing like DSCR and non-warrantable condo loans, with clients appreciating clear communication and personalized guidance throughout the… more...

With access to over 100 wholesale lenders, Barrett Financial Group specializes in competitive mortgage solutions for a wide range of borrowers, including first-time buyers and real estate investors. The team offers services from conventional loans to complex financing like DSCR and non-warrantable condo loans, with clients appreciating clear communication and personalized guidance throughout the process.

Services & Prices
Home Purchase Loans)
FHA, Conventional & Down Payment Assistance)
FHA Purchase & Refinance)
VA Purchase, Cash-Out & IRRRL)
View Profile
(702) 866-9612
Closed Now
8485 W Sunset Rd #202, Las Vegas, NV 89113, USA
General Services
Mortgage Loan Originator
2

All Western Mortgage

Known for clear communication and timely closings, All Western Mortgage helps clients navigate home purchases and refinancing with ease. The team provides straightforward explanations of fees and keeps customers updated throughout the process. While some steps can be complex, their responsiveness helps reduce stress for buyers and refinancers alike.

View Profile
(702) 369-0905
Closed Now
8345 W Sunset Rd #380, Las Vegas, NV 89113
3

Valley West Mortgage

Valley West Mortgage offers competitive rates with a transparent fee structure and an online loan process designed for convenience. Their team handles loan pre-approval, processing, and insurance research, often praised for clear communication and helpfulness. Some customers have noted delays and last-minute issues that affected their closing timelines.

View Profile
(702) 696-9900
Closed Now
8010 W Sahara Ave #140, Las Vegas, NV 89117
4

Alderus Mortgage

Alderus Mortgage specializes in guiding clients through home purchases and refinancing with clear, detailed explanations and personalized support. The team offers services including refinancing, HELOCs, and debt management, consistently providing thorough communication and helpful advice. Some customers note the process can involve many steps, but appreciate the attentive guidance throughout.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Home Equity Lines of Credit (HELOC) Quoted per loan
View Profile
(702) 255-5783
Closed Now
4450 N Tenaya Wy Ste 250, Las Vegas, NV 89129
General Services
Mortgage Services
5

Mark Baker "The Mortgage Maker"

Known for a friendly, approachable style that makes the mortgage process less overwhelming, this team offers personalized guidance for home purchases and refinancing. They provide a range of loan options and emphasize clear communication, with customers appreciating their responsiveness and support throughout each step.

View Profile
(702) 451-1040
Closed Now
3034 S Durango Dr Suite 100, Las Vegas, NV 89117
Where they are 10 on the map Click a pin for the profile and directions
6

Mortgage Box

Known for closing loans in 15 days or less, Mortgage Box offers a fast, streamlined mortgage process with no-fee lending options to help clients save money. They assist with home purchases and refinancing while providing educational resources and ongoing support. Customers appreciate the team’s clear communication and smooth, stress-free experience.

Services & Prices
First Time Home Buyer Assistance Quoted per loan
Closing Coordination Quoted per loan
View Profile
(702) 432-5626
Closed Now
10785 W Twain Ave Ste 224, Las Vegas, NV 89135
General Services
Mortgage Brokerage
7

Lending Arena

Known for guiding first-time homebuyers through a smooth and transparent mortgage process, Lending Arena offers pre-approval, financing, and rate consultation services. Customers appreciate the team’s responsiveness and clear communication, though some find the process detailed, reflecting the thorough support provided.

Services & Prices
Pre-Approval Quoted per loan
View Profile
(866) 561-3612
Closed Now
7945 W Sahara Ave #202, Las Vegas, NV 89117
General Services
Mortgage Services
8

First Option Mortgage Las Vegas

First Option Mortgage offers personalized mortgage solutions tailored to Nevada residents, focusing on a smooth and transparent loan process from application to closing. Their local teams assist with a variety of home loan options, including conventional, FHA, VA, and USDA loans. Clients appreciate clear communication and attentive support throughout the process.

View Profile
(702) 669-5400
Closed Now
9127 W. Russell Rd. #220. Las Vegas NV, 89148, Las Vegas, NV 89113
9

Vekslin Financial Group

With over 25 years of experience, Vekslin Financial Group offers a personalized, concierge-style approach to mortgage brokerage. They provide a wide range of loan options, including Conventional, FHA, VA, Jumbo, and Investor DSCR loans, helping clients navigate each step with clear communication. Customers appreciate the team’s responsiveness and straightforward guidance throughout the process.

Services & Prices
Mortgage Application Quoted per loan
Home Equity Loan Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(702) 935-1881
Closed Now
7251 W Lake Mead Blvd Ste 300, Office #374, Las Vegas, NV 89128
General Services
Home Financing
10

Andrew Leavitt at West Coast Mortgage Group

West Coast Mortgage Group specializes in guiding clients through home loans with clear communication and personalized support. Their team handles everything from purchase financing to home improvement loans, consistently helping borrowers navigate challenges smoothly. Customers appreciate the straightforward process and responsive service, even when timelines get tight.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Personal Loans for Home Improvements Quoted per loan
View Profile
(702) 421-1111
Closed Now
8921 W Sahara Ave Ste. B, Las Vegas, NV 89117
General Services
Home Loans

Las Vegas Mortgage Statistics

Home-purchase lending in Clark County and home costs in Las Vegas, NV (latest HMDA and Census data)

Lenders made 28,074 home-purchase loans in Clark County in 2025 (average about $442,000) and denied 3,885 — 12% of decided applications, compared with 12% across Nevada, according to federal mortgage data (HMDA, CFPB). In Las Vegas, the median home is worth $427,900 and 69% of owners have a mortgage, paying a median $1,933 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
28,074▼ 9%30,760 in 2024
Denial rate
12%NV 12%
Median home value
$427,900NV $435,400
Monthly cost with a mortgage
$1,933median · NV $1,932
Refinance loans made (Clark County, 2025)
14,303 · 10,412 in 2024
Home-improvement loans made (2025)
3,031
Average home-purchase loan
$442,000 (NV $444,000)
Owners with a mortgage
69% · 32% of them spend 30%+ of income on housing
Median household income
$73,877 (NV $78,260)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Clark County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Las Vegas Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Robert St. John Loan Officer with Barrett Financial Group 5.0 86 $100 (702) 866-9612 Visit
2 All Western Mortgage 4.9 975 — (702) 369-0905 Visit
3 Valley West Mortgage 4.7 529 — (702) 696-9900 Visit
4 Alderus Mortgage 4.9 393 Quoted per loan (702) 255-5783 Visit
5 Mark Baker "The Mortgage Maker" 5.0 286 — (702) 451-1040 Visit
6 Mortgage Box 5.0 187 Quoted per loan (702) 432-5626 Visit
7 Lending Arena 5.0 170 Quoted per loan (866) 561-3612 Visit
8 First Option Mortgage Las Vegas 5.0 131 — (702) 669-5400 Visit
9 Vekslin Financial Group 5.0 113 Quoted per loan (702) 935-1881 Visit
10 Andrew Leavitt at West Coast Mortgage Group 5.0 97 Quoted per loan (702) 421-1111 Visit

How this Las Vegas mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Nevada rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.5% of the home's value a year, the Nevada average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the mortgage affordability calculator for Las Vegas work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the Las Vegas mortgage affordability estimate?
The estimate is a guide. A pre-approval confirms the real number by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Nevada?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a mortgage in Las Vegas?
Conventional first-time buyer loans require at least 3% down; FHA loans need 3.5%. VA and USDA loans can allow 0% down.
How does the interest rate affect how much house I can afford?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at 7.40%.
How do monthly debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders limit total debt payments to 43% of income.
What are property taxes like in Nevada?
Property tax in Nevada is about 0.5% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying financial details for a specific loan amount, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage loans from various lenders, but this page lists brokers without recommendations.

General information, not financial advice — consult a qualified professional.