AD Mortgage is a mortgage lender operating in Nevada and across the country, supporting brokers with agency and Non-QM loan options for a range of borrower profiles.
As of August 2026, the average Nevada home value was $442,027, down 1.8% over the previous year, according to Zillow. However, housing prices vary significantly across the state, from the Las Vegas metro area to Reno, Henderson, and communities throughout Northern and Southern Nevada.
Borrowers are equally diverse, ranging from first-time buyers and homeowners in major metropolitan areas to self-employed professionals, real estate investors, and clients seeking nonstandard lending solutions.
AD Mortgage supports Nevada mortgage brokers statewide with a broad portfolio of loan solutions designed to help address these different borrower needs.
AD Mortgage offers flexible mortgage programs that help Nevada brokers evaluate purchase and refinance scenarios for a range of borrowers, including veterans, self-employed borrowers, and real estate investors.
A great fit for borrowers in search of large home loans for purchase or investment
A perfect fit for self-employed borrowers
Close DSCR loans with fast turn times
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Property taxes in Nevada depend on the property’s assessed value, location, taxing jurisdictions, exemptions, abatements, and applicable state or local rules.
For parcel-specific information, borrowers should contact the applicable county assessor, county treasurer, or tax collector. Brokers should use verified tax data when preparing payment estimates rather than applying a single statewide effective tax rate.
Closing costs are separate from a borrower’s down payment. A Nevada purchase or refinance may involve:
Actual costs depend on the lender, loan product, county, title company, property type, loan amount, borrower choices, and transaction structure.
The Nevada Housing Division offers several statewide programs, including:
Disclaimer: Mortgage rates, program availability, property taxes, and closing costs are subject to program requirements and availability. This information is provided for general educational purposes only and is not intended as legal, tax, or financial advice.
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How Do I Choose Among Mortgage Lenders in Nevada?
When comparing lenders, ensure they have proper licensing – for example, AD Mortgage is licensed in Nevada and coast to coast. Additionally, check the rates, fees, program portfolio, and technology they offer.
What Should I Compare When Looking for Mortgage Lenders in Las Vegas?
Brokers should look at program options, pricing, underwriting flexibility, turn times, scenario support, and communication. A lender’s ability to handle complex borrower profiles and provide reliable support throughout the loan process can be just as important as the terms they offer.
What Affects Mortgage Rates in Nevada?
Nevada mortgage rates are influenced by broader market conditions and transaction-specific details, including credit score, loan-to-value ratio, loan amount, debt-to-income ratio, property type, occupancy, documentation, loan program, rate-lock period, and discount points.
How Can Mortgage Brokers in Reno Submit a Loan Scenario to AD Mortgage?
Reno mortgage brokers can submit a Scenario Request with the borrower’s information and receive a tailored mortgage program in 30 minutes.
How Can Nevada Brokers Check Program Guidelines and Pricing?
Nevada brokers can use the Quick Pricer for pricing calculations, ADwise for guideline research, or the Scenario Request form for tailored solutions.
What Credit Score and Down Payment Do I Need for a Mortgage in Nevada?
Requirements vary by loan program, underwriting findings, and borrower profile. Some AD Mortgage FHA options may accept eligible borrowers with FICO scores as low as 580, while eligible VA borrowers may qualify with no down payment.
Can Self-Employed Nevada Borrowers Qualify Using Bank Statements?
Yes. Self-employed borrowers can qualify for the 12/24 Month Bank Statement program by AD Mortgage, which offers loan amounts up to $4 million with DTIs up to 55% and CLTVs up to 90% on purchases.
Can Investors Use DSCR Loans for Rental Properties in Nevada?
Yes. AD Mortgage offers Nevada real estate investors DSCR loan options that use qualifying property cash flow rather than traditional personal-income documentation.
Are FHA Loan Options Available for Buyers in Las Vegas?
Yes. AD Mortgage offers several FHA loan options for eligible borrowers in Las Vegas, including FHA Standard, which may have more flexible credit score and down payment requirements than conventional loan programs.
Can Eligible Veterans Get a VA Loan in Nevada Without a Down Payment?
Yes. AD Mortgage offers VA loan programs to eligible Nevada borrowers, including the VA Standard program that does not require a down payment and offers loan amounts up to $2 million.
What is Nevada’s Home Is Possible Program?
Nevada Housing Division offers the Home Is Possible (HIP) down payment assistance program. It helps eligible borrowers – including repeat buyers – receive up to 5% of the loan amount toward down payment and closing costs.
How Do Property Taxes and Closing Costs Affect Buying a Home in Nevada?
Property taxes, homeowners insurance, mortgage insurance, and HOA dues can affect the total monthly housing payment. Closing costs are separate from the down payment and may include lender, appraisal, title, settlement, recording, prepaid, and escrow-related charges.
Is AD Mortgage Licensed to Lend in Nevada?
Yes. A&D Mortgage LLC holds Nevada Mortgage Company License #NMC-103128 and NMLS #958660.
How Do Nevada Mortgage Brokers Become AD Mortgage Partners?
Nevada mortgage brokers can complete the Broker Package to start working with AD Mortgage, allowing them to focus on their customers while our team supports the lending process.
