Home financing in Clark County.

Home financing is simply a loan — or a combination of loans and assistance programs — that helps you purchase or refinance a home. In Clark County, "home" can mean a single-family house in Henderson, a townhome in Summerlin, a condo near the Strip corridor, or a small multi-unit rental property in North Las Vegas.

Most buyers use a mortgage, which is a loan secured by the property itself. You make monthly payments over a set term — typically 15 or 30 years — until the loan is paid off. The interest rate, loan size, and down payment you qualify for depend on factors like your credit history, income documentation, employment type, and the property itself.

Clark County's real estate market is active and competitive.

Prices have risen sharply since 2020, so understanding your financing options before you start shopping is especially important.

The good news: Nevada has several state-level assistance programs, and the local lender landscape includes ITIN-friendly institutions, CDFIs, and credit unions that work with borrowers the big banks often overlook.

Clark County's economy is driven by hospitality, construction, logistics, and a growing tech and healthcare sector. Many residents work hourly, in gig or seasonal roles, or run their own small contracting businesses — income profiles that can be tricky to document for conventional loans.

Here is who can realistically qualify for home financing in Clark County:

**W-2 employees:** Standard documentation, typically the easiest path. Most lenders require two years of employment history and a debt-to-income ratio under 43–50%.

**Self-employed contractors and sole proprietors:** You will generally need two years of tax returns (Schedule C), profit-and-loss statements, and bank statements. Some local lenders and credit unions offer bank-statement loans that average your deposits over 12–24 months instead of relying on tax returns — useful if your write-offs reduce your reported income significantly.

**ITIN holders:** An Individual Taxpayer Identification Number (ITIN) is accepted in place of a Social Security number by several lenders in Clark County.

You do not need to be a U.S. citizen or permanent resident to buy a home in Nevada.

ITIN mortgage programs typically require a larger down payment (10–20%) and a solid 12–24 month history of on-time rent and utility payments.

**Small real estate investors:** If you are buying a 1–4 unit rental property, you may qualify for conventional investment loans. Some local CDFIs and credit unions also offer portfolio loans — loans they hold in-house rather than sell to the secondary market — which gives them more flexibility on underwriting.

**First-time homebuyers:** Nevada defines a first-time buyer as someone who has not owned a primary residence in the past three years. This opens up down payment assistance and lower-rate programs through the Nevada Housing Division.

Gathering your paperwork before you talk to a lender saves time and reduces stress. Here is what most programs in Clark County will ask for:

**Identity and residency:**

- Government-issued photo ID (driver's license, passport, consular ID/matrícula consular)

- Social Security number or ITIN

- For non-U.S. citizens: visa documentation or evidence of legal residency (some lenders do not require this)

**Income:**

- Last two years of federal tax returns (all pages, all schedules)

- Last two years of W-2s or 1099s

- Most recent 30 days of pay stubs (if W-2 employee)

- Self-employed: 12–24 months of business and personal bank statements, year-to-date profit-and-loss statement

- If using rental income: signed leases and two years of Schedule E

**Assets:**

- Last two to three months of bank statements (all accounts, all pages)

- Retirement or investment account statements

- Gift letter if any portion of your down payment is a gift

**Credit:**

- Lenders will pull your credit report — you do not need to bring it, but you should review it first at AnnualCreditReport.com

- ITIN borrowers: some lenders will build a credit profile using alternative data (rent, utilities, phone bills)

**Property:**

- Signed purchase agreement (once you are under contract)

- HOA documents if applicable (very common in Las Vegas Valley)

Tip: If your tax returns show low net income due to legitimate business deductions, ask lenders upfront whether they offer bank-statement or stated-income products. Not every lender does, but several in Clark County do.