Las Vegas, NV
Las Vegas home financing, minus the runaround.
Your Las Vegas budget picks the program — conventional, FHA, first-time-buyer — and we handle the Las Vegas lender legwork, whether you're eyeing Summerlin or beyond.
Can Choice Home Mortgage help me buy a home in Las Vegas, NV?
Yes. Choice Home Mortgage helps Las Vegas buyers and homeowners through licensed partner brokers who handle the Nevada licensing, while we coordinate the Las Vegas file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For Las Vegas, FHFA's 2026 one-unit limit is $832,750 (Clark County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What it costs to buy in Las Vegas — and how to finance it.
Las Vegas demand stays elevated from rapid population growth and California in-migration; investor activity is significant, and affordability constraints temper sales volume.
So the Las Vegas strategy starts with the market, not the rate sheet. The 2026 conforming number for Las Vegas buyers in Clark County is $832,750 — the baseline every Las Vegas file starts from. Las Vegas price points mostly stay under $832,750, which keeps conventional, FHA, and first-time-buyer on the menu for Las Vegas buyers. Las Vegas’s price tier is solidly middle-of-market. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
603,000-plus residents make Las Vegas home — across Summerlin, Spring Valley, and between — with Henderson and North Las Vegas nearby. Our Las Vegas picture runs street-level, the Las Vegas Strip skyline and all. Summerlin, Downtown/Fremont, Henderson, and Spring Valley — we finance homes in each of them, and everywhere else Las Vegas reaches. Searching “mortgage broker near me” from Las Vegas? We cover Las Vegas by phone and online — Las Vegas-level market help, no office visit. Nevada coverage here spans 6 cities, Las Vegas among them — each on its own county limits, each shopped the same way.
What you get with a local broker.
Las Vegas, block by block
Summerlin, Downtown/Fremont, Henderson, over to the Las Vegas Strip skyline — Las Vegas's pockets price differently, and the right program follows the pocket.
First-time & assistance
Conventional, FHA, first-time-buyer carry most Las Vegas purchases — and we check every assistance program a Las Vegas file qualifies for.
Lenders shopped for you
A Las Vegas mortgage should be bid on. We take your Las Vegas file to many lenders and let the best terms win.
The owner, coordinating
The owner, Esther Buede, is who Las Vegas buyers talk to, and she coordinates the Las Vegas file with our licensed partner brokers.
Las Vegas's file, coordinated by the owner.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Las Vegas loan with our licensed partner brokers, from Downtown/Fremont to the far side of Las Vegas. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Programs shaped to Las Vegas price tags.
Near the Las Vegas Strip skyline, conventional files are a Las Vegas staple for us. The Las Vegas playbook usually starts with conventional, FHA, first-time-buyer, arranged through licensed partner brokers — then we shop whatever your Las Vegas file calls for: non-QM, VA, conventional, and FHA loans. Come in at your own pace — buying, refinancing, or comparing paths — begin online or call (949) 522-7310.
The programs that come up most for Las Vegas buyers: FHA, first-time-buyer, conventional.
Self-employed in Las Vegas? We also work with borrowers who work for themselves — 1099 income included, plus no-income investor financing for Las Vegas investors. Clark County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Beyond Las Vegas itself, Henderson, North Las Vegas, Winchester buyers work with us the same way. All our Nevada coverage, city by city →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Las Vegas, NV buyers through licensed partner brokers. Equal Housing Opportunity. Las Vegas is served remotely — we keep no office there.
Before you buy in Las Vegas: the FAQs.
What counts as a conforming loan amount in Las Vegas?
In Las Vegas, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Clark County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Clark County have a $1,066,250 conforming limit for 2026.
What's the usual first mortgage for a Las Vegas buyer?
For a first home in Las Vegas, the usual choices are FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Clark County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Las Vegas?
Yes, we cover all of Las Vegas, including Summerlin, Downtown/Fremont, Henderson and Spring Valley. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Summerlin to Spring Valley, a licensed partner broker originates the loan and we coordinate it by phone and online.
I'm buying in Las Vegas, NV: can you handle it?
Yes. A licensed partner broker in Nevada originates the Las Vegas loan, and Choice Home Mortgage coordinates it. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What about the towns just past the Las Vegas line?
We cover those too: Henderson, North Las Vegas and Winchester are in our service area along with Las Vegas. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Las Vegas file.
How do we work together on a Las Vegas purchase?
We start with a call to map your Las Vegas purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Nevada licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Next stop: your Las Vegas address.
Tell us about the Las Vegas home you want — we'll match the program and make lenders compete for your Las Vegas loan.