Step 1 · Planning
Build the complete monthly picture before touring
The mortgage payment is only part of the cost of ownership. A realistic plan should account for principal and interest, property taxes, homeowner’s insurance, possible mortgage insurance, HOA dues, utilities, maintenance, and the cash you want to keep after closing.
Also plan for upfront costs such as earnest money, inspection, appraisal, down payment, closing costs, prepaid taxes and insurance, moving, and immediate repairs or furnishings. Some amounts may be negotiated or financed, but they should not be ignored.
Israel is not a lender and does not determine loan eligibility. He can help organize the real estate questions to discuss with licensed loan professionals and keep the search aligned with the financing plan you choose.
Step 2 · Financing
Compare lenders on the same terms
A preapproval is a starting point, not a commitment to use one lender. The Consumer Financial Protection Bureau recommends contacting at least three lenders so buyers can compare offers. Compare the loan type, rate, annual percentage rate, points, lender credits, mortgage insurance, cash to close, and whether the rate is locked.
Once you have a property and loan application, a standardized Loan Estimate helps you compare the same categories across lenders. Ask questions whenever the numbers, assumptions, or timing are unclear.
Step 3 · Assistance programs
Check Nevada programs without assuming eligibility
Nevada Housing Division programs may offer down-payment assistance through approved lenders. Program rules can change and may depend on income, purchase price, credit score, loan type, occupancy, and other requirements.
As of August 24, 2026, the Home Is Possible program page described several first-time-buyer options and defined a first-time buyer as someone who had not owned a primary residence during the previous three years. Several options showed a 640 minimum credit score. The assistance was described as a no-interest, no-payment, non-forgivable second mortgage. Those terms must be verified with an approved lender before relying on them.
Israel can help coordinate the property-search and contract questions with the financing timeline, but only an approved, licensed lender can determine program and loan eligibility.
Step 4 · Search and offer
Turn the approval into a home-search brief
Once the financial boundaries are clear, Israel helps translate them into a practical search and offer strategy.
- Define the areas, home types, ownership costs, timing, must-haves, and tradeoffs.
- Review disclosures, HOA information, visible condition, property history, and questions for qualified inspectors or specialists.
- Compare the offer price with earnest money, financing, appraisal risk, inspection rights, requested credits, possession, and seller priorities.
- Keep lender, inspection, appraisal, title, document, and closing milestones organized.
- Complete a final walkthrough and confirm closing instructions through trusted channels before sending funds.
En español · Paso 1
Calcula el costo mensual completo antes de visitar casas
El pago de la hipoteca es solamente una parte del costo. Incluye capital e interés, impuestos, seguro, posible seguro hipotecario, cuotas de la asociación, servicios, mantenimiento y el dinero que deseas conservar después del cierre.
También considera depósito de buena fe, inspección, tasación, enganche, costos de cierre, impuestos y seguros prepagados, mudanza y reparaciones iniciales. Israel te ayuda a organizar las preguntas de bienes raíces; un prestamista con licencia determina las opciones y la elegibilidad del préstamo.
En español · Paso 2
Compara préstamos, no solamente pagos mensuales
Solicita propuestas comparables de varios prestamistas. Revisa el tipo de préstamo, tasa, APR, puntos, créditos, seguro hipotecario, efectivo para cerrar y si la tasa está bloqueada. Un pago bajo puede ocultar costos o condiciones diferentes.
Cuando tengas una propiedad, usa el Loan Estimate para comparar categorías estandarizadas. Pide una explicación por escrito de cualquier cifra o condición que no entiendas.
En español · Paso 3
Investiga programas de asistencia sin asumir que calificas
Los programas de Nevada pueden ayudar con el enganche mediante prestamistas aprobados. Los requisitos y términos cambian. Pueden depender de ingresos, precio, crédito, tipo de préstamo, ocupación y otros factores.
Israel puede coordinar la búsqueda y el contrato con el calendario del financiamiento, pero solamente un prestamista aprobado puede determinar elegibilidad. Verifica los requisitos actuales antes de hacer una oferta o contar con fondos de asistencia.
En español · Paso 4
Busca, investiga y compra con un proceso claro
- Convierte el presupuesto en una búsqueda con zonas, tipos de vivienda, gastos mensuales y prioridades definidas.
- Revisa divulgaciones, documentos de la asociación, condición visible y preguntas para inspectores u otros especialistas.
- Evalúa precio, depósito, financiamiento, tasación, inspección, créditos, fechas y prioridades del vendedor como un conjunto.
- Mantén organizados los plazos del préstamo, inspección, tasación, título y cierre.
- Confirma las instrucciones para transferir fondos por un canal confiable antes de enviar dinero.