FHA Loans North Las Vegas NV: Limits, Property Rules and How to Apply

By David Ghazaryan, Mortgage Broker (NMLS 1486726), iQRATE Mortgages (company NMLS 1862492) · Last updated: November 12, 2026

Short answer: an FHA loan is a government-insured mortgage. A private, FHA-approved lender funds it. The 2026 Clark County FHA limit for a one-unit home is $541,287 (HUD Mortgagee Letter 2025-23). The city's July 2026 median sold price was $415,000. Every ZIP we track sits under that limit. So the limit is rarely the problem. The home's condition, HOA dues, fees, income papers and credit matter more. iQRATE Mortgages is a licensed Nevada mortgage broker, not a lender. We compare FHA lenders for your file. This is general information, not a commitment to lend.

Start your FHA application · or call (702) 766-3744

What does an FHA loan mean for a North Las Vegas home purchase?

The Federal Housing Administration, part of HUD, insures the loan. It does not make it. A bank or mortgage firm that FHA has approved funds the loan. If you stop paying, HUD's insurance protects that lender. FHA charges mortgage insurance for this. One part is paid up front. The other is paid each month. HUD posts the list in its mortgagee letters. Your Loan Estimate shows the numbers for your file. HUD's buying and loans page and its single-family housing office explain the program in plain words. The lender rulebook is HUD Handbook 4000.1.

FHA fits first-time buyers and others who will live in the home. Its rules are for people who live there. Credit and down payment rules vary by lender and file, so we quote no figure. We tell you which lenders may take your file. Then you compare each Loan Estimate.

Local buyers often start in Aliante (89084), Eldorado (89031), Old North Las Vegas (89030) or the northeast (89081). Some look near Nellis Air Force Base. A few parcels there sit in unincorporated Clark County, not the city. Others tour Centennial Hills and Skye Canyon. Those are in northwest Las Vegas. Each place has its own tax district, so check the parcel first. Older homes near Lake Mead Boulevard tend to sell for less. Check their condition closely for FHA.

What is the FHA loan limit for North Las Vegas, NV?

FHA limits are set by county. North Las Vegas sits in Clark County, which HUD classifies as a low-cost area, so the limits are at the national floor. You can look up any county on HUD's own FHA mortgage limits lookup. The Clark County 2026 limits below come from HUD Mortgagee Letter 2025-23, and the conforming figures come from FHFA, which announced them in its 2026 conforming loan limit release.

HUD also posts the full 2026 county limit data in a plain-text file of 2026 forward mortgage limits. Buying above the FHA limit? A conventional or jumbo loan may fit. See our North Las Vegas jumbo loans page.

How much room is there under the limit?

This is simple subtraction using the figures on this page. It shows how far the one-unit FHA limit of $541,287 sits above city prices.

Multi-unit homes have more room. The two-unit limit is $151,763 above the one-unit limit. The three-unit limit is $296,413 above it. The four-unit limit is $499,838 above it. The one-unit conforming limit of $832,750 is $291,463 above the one-unit FHA limit. That is why buyers of pricier homes look at conventional loans.

The ZIP codes map as follows: Old North Las Vegas is 89030, Eldorado and central is 89031, the southwest is 89032, the northeast is 89081, Aliante is 89084 and the north is 89086. For FHA, condition and HOA dues matter more than the ZIP.

Which North Las Vegas ZIP codes fit under the FHA limit?

All of them, at typical values and reported July medians. The table shows the Zillow Home Value Index (September 2026, middle tier) next to July 2026 sale medians from the Las Vegas REALTORS MLS, as reported by Nevada Real Estate Group. Zillow's index smooths the market. Sale data shows what buyers paid. Use both. Sources: Zillow Research ZHVI by ZIP and the Nevada Real Estate Group North Las Vegas report, September 2026.

ZIP codes do not follow city lines. Parts of 89115 and some other ZIPs near Nellis are in unincorporated Clark County. They are not in the City of North Las Vegas. That changes the tax rate and rental rules. We check the Clark County Assessor record before you offer. A listing above the one-unit limit needs a different loan, like a conventional or jumbo loan. Check the list price first. Call (702) 766-3744 and we will look at a listing with you.

Where are the listings, and how does that affect an FHA buyer?

The September 2026 Nevada Real Estate Group report counted 1,037 active listings on September 15. Aliante (89084) had 251 of them, the most of any ZIP, and over half of its listings had a price cut. Eldorado (89031) and central North Las Vegas had 241. Homes that closed in July went under contract in a median of 19 days across the city, against 28 days for Las Vegas and 38 days for Henderson.

Aliante had the highest July median sold price at $449,900. Old North Las Vegas (89030) had the lowest at $325,000. Both are under the $541,287 FHA limit. Aliante's median asking price was $475,000 and it had 59 July closings.

Eldorado and central North Las Vegas (89031) had a $435,000 median ask. 44.8% of its listings had a price cut. It had 83 July closings, the most of any ZIP. The southwest (89032) had 158 listings, 34.8% with a cut and 31 closings. The northeast (89081) had 154 listings, 39.6% with a cut and 38 closings. Old North Las Vegas had 148 listings, 31.8% with a cut and 21 closings. The north (89086) had 67 listings, and 49.3% had a cut.

Zillow's typical values dipped a little over the year to September 2026. Every ZIP moved by less than 2%. The range ran from -0.6% in 89030 to -1.8% in 89084. Many Aliante buyers also tour Centennial Hills and Skye Canyon. Those areas are in northwest Las Vegas. A different tax district applies there. Its rate is $3.2782 per $100 of assessed value, against $3.3544 for the city. That is $0.0762 less. Henderson's $2.9613 is $0.3931 less than the city rate.

How fast is the North Las Vegas market for FHA buyers?

Nevada Real Estate Group's September 2026 report counted 249 July closings. The median July sale closed at 100.0% of its final list price, and 25.3% of sales closed above list. At the same time 42.9% of listings had a price cut, with a median cut of $11,000. For an FHA offer, that means two things. Ask your agent if a seller credit is realistic. And know that a seller with many offers may not wait for a file that is not done. The median sold price per square foot was $230. The median asking price was $425,000, and 42.6% of July sales closed below list.

The same report covers two nearby cities. Las Vegas had a $430,000 July median sold price and 28 days to contract. Henderson had a $490,000 median and 38 days. Under the one-unit FHA limit of $541,287, that leaves $111,287 of room at the Las Vegas median and $51,287 at the Henderson median. The report also shows the Summerlin corridor at a $527,500 July median and Boulder City at $442,500. Both sit under the limit.

The same report counted 445 listings with a price cut, and a median asking price of $445,000 for single-family homes and $312,500 for condos and townhomes. For city-to-city market comparisons, see our North Las Vegas mortgage broker page. Rental-property financing is a different program with different rules, and FHA is not for investment-only purchases.

Who lives in the city and why does that shape FHA demand?

North Las Vegas is Nevada's fourth-largest city. The Census Bureau counts 296,653 residents as of July 2025, up 14.3% from April 2020. The owner-occupancy rate is 63.6%. There are about 3.1 people per household and 17,566 veterans. The source is the Census Bureau, including its American Community Survey.

The same data counts 88,909 households. Median household income is $79,542 (2024 dollars). Median gross rent is $1,705. Median owner costs are $1,847 a month for homes with a mortgage. The 2020-2024 median home value was $404,400, a survey figure that lags current sales. These are survey averages, not a quote for any loan.

Nellis Air Force Base is nearby, so check VA first. A table further down sets FHA and VA side by side. Buyers in Aliante, Eldorado, Old North Las Vegas and the northeast use the same Clark County limit.

How does FHA compare with conventional, VA and Nevada assistance programs?

FHA is one of several routes. The table shows general trends, not an offer. Each lender adds its own rules.

FHA mortgage insurance can last for the life of the loan when the down payment is small. So many buyers start with FHA and later refinance. For some buyers with strong credit, conventional costs less. We compare both on Loan Estimates. Then you choose with real numbers. See the iQRATE FHA loans overview for the program in general.

Can Nevada down payment assistance be used with an FHA loan?

Often yes. The Nevada Housing Division's Home Is Possible programs pair a first mortgage with down payment assistance delivered as a second mortgage. The assistance is not forgiven; it is repaid when you sell, refinance or pay off the first mortgage. The program has several versions, with their own credit, income and price limits, and the Housing Division lists FHA among the first-mortgage types it supports. Current rules are on the Housing Division's own site: Home Is Possible program details, and a separate page lists first-time homebuyer income and purchase price limits.

The trade-off is real. More help lowers the cash you bring to closing. But it adds a second lien and can change the first loan's price. For some North Las Vegas-area buyers, a seller credit plus a standard FHA loan works out better. We show both on Loan Estimates.

What will an FHA appraiser look at on a North Las Vegas home?

An FHA appraiser checks value. They also check that the home meets HUD's rules for safety. Repairs they flag must be fixed or held in escrow before closing. So we read the listing and the inspection report early. These issues often decide FHA files:

• Older homes. Check the age of the roof, HVAC and water heater against the minimum property standards before you offer.
• Newer subdivisions. Ask about special improvement district (SID) assessments and first-year property tax, and compare builder incentives with an outside FHA loan.
• Manufactured homes. These have additional FHA rules on foundation, title status and age.
• Master-planned communities. Count master and sub-association dues in your payment.

We do not steer buyers toward or away from any area. Every loan is underwritten on the same rules wherever the home is. If the property is a condominium, check whether the project appears on HUD's FHA condominium approval lookup before you fall in love with it. If a home needs work, HUD's 203(k) rehabilitation program exists for financing repairs along with the purchase; ask us whether it fits.

What do special assessments, HOAs and property tax add to an FHA payment?

FHA lenders count the whole housing payment. That means the loan, mortgage insurance, tax, insurance, HOA dues and any assessment. Check three items early.

• Property tax rate. The Clark County Treasurer lists $3.3544 per $100 of assessed value for the North Las Vegas city district for fiscal year 2026-2027, compared with $3.2782 for the City of Las Vegas, $2.9613 for Henderson and $2.9328 for unincorporated Paradise. Nevada assesses 35% of taxable value. Your bill is usually lower than rate times price. The taxable value is not the sale price. The cap is in NRS 361.4723. It is 3% a year on a primary home and up to 8% on other property. New homes have no cap in year one. Expect a change after the first full assessment.
• SID assessments. Some newer areas paid for streets or sewers through a special improvement district. The owner repays a share on the tax bill. A lender counts it in your payment. That can lower how much home you can buy. We pull the title report early so it is in your numbers.
• Master and sub-HOA dues. Aliante and newer communities often have two associations. Both count.

Clark County's real property transfer tax is $2.55 per $500 of value, customarily paid by the seller in Southern Nevada but negotiable in the contract. See the Nevada Department of Taxation. Escrow, title, recording and appraisal charges are itemized on your Loan Estimate; our closing costs by state page explains the categories.

What documents do you need for an FHA purchase near North Las Vegas?

Lenders may ask for more. This is the usual start. Bring it before you tour homes. A file we have checked moves fast when offers are due. Upload your papers with the application, or call (702) 766-3744 with questions.

• Wage earners: recent pay stubs and W-2s, plus recent bank statements and photo ID. With overtime, shift pay or tips, expect a request for a longer income history.
• Self-employed: personal and business tax returns for FHA, and a business license or CPA letter.
• Using a gift or assistance: a gift letter and donor records, and a homebuyer education certificate if the program requires one.
• Active-duty military: a Leave and Earnings Statement, and a look at whether VA fits better.

Self-employed buyers often show less income on a tax return than they earn. David Ghazaryan founded a tax practice in 2008 and has prepared more than 6,000 tax returns. So we read your return as a preparer does. We see if FHA still works before we look at a bank statement loan or other non-QM option.

What are the steps from first call to closing?

1. Call and apply. We learn your goal and income type, then you apply and upload your documents.
2. Loan Estimates. You receive Loan Estimates, which Regulation Z requires within three business days of a complete application (see 12 CFR 1026.19).
3. Offer. Your agent writes the offer. We check that the terms work with your loan, including any seller credit.
4. Appraisal. The appraiser checks value and condition. Escrow checks title and HOA papers for liens and leasing rules.
5. Underwriting. The lender clears conditions from the papers you already sent.
6. Closing Disclosure and signing. Final costs arrive at least three business days before closing. You sign with escrow, and the deed records with the Clark County Recorder.

Timing varies with your file. We give you a real date, not a promise. Questions on any step? Call (702) 766-3744.

How can an FHA buyer compete when 25.3% of sales close above list?

The July 2026 data points two ways. The median sale closed at 100.0% of list, so many homes sell right at asking price. Yet buyers closed above list on 25.3% of July sales. Also, 42.9% of listings had a price cut. Both are true. The market is uneven. Good homes at fair prices draw many offers. Homes priced too high sit and get cut.

An FHA buyer need not outbid everyone. You need a clean offer that is likely to close. This usually helps:

• A reviewed file. A listing agent wants to know your income and assets have been checked. Gather your papers first.
• A fair price. The appraisal must support the price. A price far above recent sales can leave a gap you must cover in cash.
• A fair contract. Short deadlines you cannot meet hurt you more than a lower price. Ask your agent which dates are safe.
• A good fit. A home with safety problems is a weaker FHA pick. Choose homes your appraiser is likely to pass, or plan repairs in the contract.

The median home took 19 days to go under contract in July 2026. There is time to do this right, but not much. If you are ready to look, call (702) 766-3744.

What should you check before you make an FHA offer?

Use this list on every home you like. Each item can change whether an FHA loan works.

1. List price against the loan limit. Compare it with the one-unit limit of $541,287, or the two-, three- or four-unit limit if the home has more units.
2. Jurisdiction. Confirm whether the parcel is in the city or in unincorporated Clark County, using the Assessor record.
3. Property type. Single-family, condo, townhome, manufactured home and multi-unit each have their own FHA rules.
4. Condition. Look at the roof, heating and cooling, water heater, electric panel, windows, and any peeling paint or standing water. Safety problems can hurt the appraisal.
5. Flood zone. HUD Handbook 4000.1 addresses flood zone rules, and your lender will check the zone for the address.
6. HOA and assessments. Request the HOA documents, the budget, and any special assessment or SID balance early.
7. Condo approval. If it is a condo, check the project on the HUD condominium lookup linked above.
8. Your payment. Count tax, insurance, mortgage insurance, HOA dues and any assessment together, not just the loan.
9. Seller credits. Ask your agent whether a credit toward closing costs is realistic for this seller, and put it in the offer.
10. Your documents. Have your pay stubs, W-2s or returns, and bank statements ready before offers are due.

Have a listing in mind? Send us the address by calling (702) 766-3744 and we will walk through this list with you.

How does an FHA condo or townhome purchase work?

Condos work differently from houses. The lender reviews the whole project, not just your unit. HUD keeps a list of approved condo projects. If a project is not on it, FHA may not work for any unit there. Townhomes owned in fee simple usually work like houses.

For any condo or townhome, we read the HOA budget, the reserves and the leasing rules. Aliante and many newer northern communities have two associations. Ask for the papers from both. A large special assessment can raise your monthly cost fast. Lenders count that cost.

How do you read an FHA Loan Estimate?

A Loan Estimate is a standard form from the lender. The CFPB explains each section. It is how you compare one FHA offer with another. You get it within three business days after you submit a complete application. We use it to compare lenders for you. These are the parts to read first:

Compare two Loan Estimates for the same loan amount and the same home. A lower rate with higher costs is not always cheaper. Ask each lender about a prepayment penalty. Ask if the rate can change. Ask how long money must sit in your account. Lenders call this seasoning. Ask us about any line. We quote no figures here. They depend on your file.

When does it make sense to refinance out of FHA later?

Many buyers use FHA to get in the door. They plan to switch to a regular loan later. This can help if your credit has improved and your home has gained value. It may not help if you pay new costs for no clear gain.

Before you decide, ask three questions. How long will you keep the home? What will the new loan cost in all? Will it end mortgage insurance or just change it? We compare both when the time comes. Call (702) 766-3744 to ask.

What mistakes do FHA buyers make most often?

• Shopping by monthly payment only. Tax, mortgage insurance and HOA dues can change the payment a lot between two similar homes.
• Skipping the property check. An appraiser looks at condition as well as value. A home that fails the property standards can delay or end a deal.
• Making big changes during the loan. Do not open new credit or change jobs without telling us. Do not move large sums without a paper trail. Underwriters ask about all of these.
• Missing a document. A missing page can slow a file down. Send complete copies of everything the lender asks for.
• Assuming the ZIP code equals the city. The tax rate and rental rules change if the parcel is in unincorporated Clark County.
• Waiting too long to ask. A short call before you shop can head off surprises later. Call (702) 766-3744.

How does David Ghazaryan approach a file that a lender turns down?

This quote is from David about an investment property, not an FHA loan. It shows how he thinks about a denial:

"The lesson I took from that transaction is that a lender's denial doesn't necessarily mean a good investment opportunity is dead. Sometimes the solution is understanding the purchase contract, preserving the buyer's negotiating position, and choosing a financing program that fits the actual investment."

David Ghazaryan, owner and broker, iQRATE Mortgages

Case study: a client denied by a builder's lender

Situation. This is a real file David described in his own interview answers (October 31, 2026), with details removed. It was a DSCR investment loan, not an FHA loan. A client came to David after financing fell apart on a new investment property. The builder offered strong incentives, but only if she used its own lender. She did, and that lender said no.

What David did. The builder agreed to keep the incentives if she found outside financing. David arranged a DSCR loan. It used the rent from the property, not her personal debt-to-income ratio. The incentives went toward a rate buydown.

Result. The client's loan closed in fewer than 21 days. The debt-service coverage ratio was about 1.00. Outcomes vary with every file.

The takeaway for an FHA buyer is the same. One lender's no is not the end. Read the contract, protect your negotiating position, and pick the program that fits the actual purchase.

David also says: "getting a loan approved and making a good investment are two different things." In his words, he looks at "the entire transaction" and not only the rate. For a home buyer that means we look at the full monthly cost, the cash to close and your plans for the home, and not only whether one lender will say yes. Every outcome still depends on the lender, the property and your file.

Frequently asked questions about North Las Vegas FHA loans

What is the FHA loan limit for North Las Vegas?

For 2026 the one-unit limit in Clark County is $541,287, with higher limits for two, three and four units, as shown in the table above and published in HUD Mortgagee Letter 2025-23.

Is a North Las Vegas home eligible for an FHA loan?

It depends on you and the home. The home must be where you live. It must pass HUD's safety rules at appraisal. It must sit under the loan limit. A condo must be in an approved project. Manufactured homes have extra rules.

Who funds an FHA loan, a bank or the government?

A private lender funds it and HUD insures it. iQRATE Mortgages is a mortgage broker: we do not fund loans, we arrange them with FHA-approved lenders.

Can I use down payment assistance with FHA near North Las Vegas?

Possibly. Nevada Housing Division programs can pair help with some FHA first loans. They have their own credit, income and price limits. The help is usually repaid when you sell, refinance or pay off the first loan.

Does FHA mortgage insurance ever go away?

That depends on the down payment and loan terms, per HUD's premium list. With a small down payment, the yearly premium can last as long as the loan. So some buyers refinance once they have equity.

Can I buy a duplex with FHA if I live in one unit?

Yes, within the limits above. Lenders may count rent from the other units to help you qualify. Three- and four-unit homes must also pass a rent test. Buys made only for investment are not FHA loans. Rental programs are separate.

Is FHA or VA better for a Nellis Air Force Base family?

VA often has no monthly mortgage insurance and no loan limit for eligible borrowers with full entitlement, so it deserves a look first. FHA remains useful when entitlement is limited or reserved. We compare both.

How do I find the FHA limit for another Nevada county?

Use HUD's FHA mortgage limits lookup linked above, which returns the figures by county and number of units.

What documents do I need to apply?

Typically pay stubs and W-2s or tax returns, bank statements, photo ID, and for veterans a Certificate of Eligibility. The list above covers documents by borrower type. You can also call us with questions.

Do you charge to review my FHA file?

We quote no costs on this page. They depend on the lender, the loan and your file. Every charge, including any broker pay, is listed on your Loan Estimate. Ask us to explain any line. Then compare the total on each one. Call us or apply when you are ready.

Can I buy a manufactured home with an FHA loan near North Las Vegas?

Sometimes. Manufactured homes must meet rules on foundation, title and age. Many lenders add their own rules. We check the home type before you write an offer.

Can a self-employed buyer use FHA?

Yes, usually with two years of tax returns. If the returns understate income, another program such as a bank statement loan may fit better.

Why use a mortgage broker instead of going to one bank for an FHA loan?

One bank has one set of rules. A broker can compare many lenders. That helps with overtime pay, tips, a short job history or weak credit. If one lender says no, we can try more.

Is the FHA limit different by ZIP code within the city?

No. HUD sets FHA limits by county and number of units, so 89030, 89031, 89032, 89081, 89084, 89085 and 89086 all use the Clark County limit. Only the list price of the home matters.

Can I buy a condo or townhome with FHA?

A condo project generally must be on HUD's approved list, and the lender also reviews the HOA documents. Fee simple townhomes usually follow single-family rules. Check the project early.

What happens if the FHA appraiser finds repairs?

Items that affect safety usually must be fixed or held in escrow before closing. The seller, you or both may agree to pay. Call us to talk it through. A 203(k) loan is another option for larger repairs.

Can the seller pay my closing costs on an FHA loan?

HUD rules and the lender limit how seller credits can be used. Put any credit in the contract. Check your Loan Estimate to see how it is applied. On September 15, 2026, 42.9% of active North Las Vegas listings had a price cut, so some sellers may be open to negotiating.

Can a family member give me money for an FHA purchase?

HUD Handbook 4000.1 sets the rules for gift funds, including who may give them. Expect the lender to ask for a gift letter and donor records, and to ask where the money came from.

Will I need flood insurance?

Only if the home is in a special flood hazard area. The lender checks the flood zone for the address. HUD Handbook 4000.1 covers these rules.

Can I use FHA to buy a home that needs major repairs?

Possibly. HUD's 203(k) rehabilitation program is built for financing repairs with the purchase. It has more steps than a standard FHA loan, and not every lender offers it, so ask us early.

How soon do I see a Loan Estimate?

Regulation Z says lenders must send a Loan Estimate within three business days of a complete application. Send papers early so your application is complete. Questions about timing? Call (702) 766-3744.

Does my credit score alone decide FHA eligibility?

No. Lenders look at your credit, income, debts, savings and the home together. Each lender can add its own rules to HUD's. So one lender may say yes when another says no. We compare lenders for you.

Where can you check FHA rules yourself?

You do not have to take our word for any rule on this page. These official sources let you check it.

• CFPB. The Consumer Financial Protection Bureau explains FHA loans in plain language.
• HUD. The Single Family Handbook 4000.1 is HUD's lender rulebook.
• FHFA. The agency's conforming loan limit data backs the conventional figures in our table.
• Licensing. Look up iQRATE Mortgages (NMLS 1862492) and David Ghazaryan (NMLS 1486726) on NMLS Consumer Access.
• Nevada assistance.Home Is Possible is the Nevada Housing Division's program site, where the current rules are posted.

Should you talk to a housing counselor or a broker first?

Either can help. They do different jobs. A counselor gives neutral advice and does not shop your loan. The CFPB lists HUD-approved housing counselors. A broker compares lenders and arranges the loan. Many buyers talk to both. Have a home in mind near North Las Vegas? Call (702) 766-3744 and we will check it against the limit and property rules above.

Does an FHA loan work for a home near Nellis Air Force Base?

It can, if the home is your main residence, meets HUD's property standards and sits under the county limit. Some parcels near the base are in unincorporated Clark County, not the city. Check that first. If you may qualify for VA, VA's eligibility page explains who qualifies, and we can compare both programs for you.

What is the difference between an FHA limit and what you can afford?

The limit is a cap set by HUD. It is not a promise that you qualify for that much. Your income, debts, credit and the home set the loan size. The lender decides. Start with a monthly budget you like. Then check the price against the limit.

Which FHA terms should you know before you apply?

These terms come up on almost every FHA file. We keep them simple here. Your Loan Estimate shows the numbers for your own loan.

Ready to see which of these apply to you? Call (702) 766-3744.

Who is iQRATE Mortgages?

iQRATE Mortgages is a Nevada mortgage broker serving the Las Vegas valley. David Ghazaryan entered the mortgage industry in 2005, is the owner and broker, and is also a real estate investor. Our network includes more than 100 banks and private lenders, and we place FHA, VA, conventional, jumbo and non-QM loans across Nevada. You can verify David's license in the NMLS public records, linked above, and read the company's client reviews below.

David has 5.0 stars from 87 reviews on Experience.com (October 2026).

What clients say company-wide

These are verbatim Google, Zillow and Yelp reviews of iQRATE Mortgages and David Ghazaryan from the company's overall review profiles. The platform is named under each quote. They are not tied to any one city or loan program.

"The best experience that I have ever had with mortgage company, David and his team are awesome and they always keep me updated on a daily basis about my mortgage process. They are professional, down to earth, helpful and they always available to answer all your questions. Thank you David and iQRate mortgages"

Edmond B., Google review, company-wide, other market.

"Outstanding service with the help from this team! Everything was smooth, effortless, and headache free! They answered all my questions with ease & I will recommend friends and family as well! I most definitely will continue using this company for future mortgage needs!"

Ryan L., Google review, company-wide, other market.

"A few months ago we bought our first house. We were so fortunate to have David. He explained so many things that we did not understand, literally took the time to explain our options and why they would or would not work for us. He made us feel comfortable with our decision. We definitely would recommend his entire team, everyone was so wonderful and helpful."

Jael O., Google review, company-wide, other market.

"David was very professional and went above and beyond to help me purchase my first home. He was very knowledgeable, experienced, and thorough. Anytime I had concerns, he was always there to patiently answer all my questions. I highly recommend David if you are looking to purchase a home."

Nomi E., Zillow review, company-wide, other market.

"Buying my new home was so easy thanks to David and his team at iQRate. I was a first time homebuyer so the process was very new to me , but everyone at the office communicated so well and answered any questions or concerns I had with ease. I appreciate their patience and will definitely be using them for any future needs!"

Athena S., Yelp review, company-wide, other market.

"David and his team are very professional in their field of expertise. They helped me to get the loan really quick and easy, explaining all steps and assisting me with all of the papers. It has been a pleasure to work with such a reliable and responsible team. I would truly recommend their service to everyone."

G M., Yelp review, company-wide, other market.

Ready to talk through your FHA options?

Apply now, call (702) 766-3744, or contact us to talk through your file.

iQRATE Mortgages is a mortgage broker, not a lender. Company NMLS 1862492; David Ghazaryan NMLS 1486726. Nevada licensed mortgage broker. (702) 766-3744. Equal Housing Opportunity. This page is general information, not a commitment to lend and not an offer of credit. Program rules, limits and availability can change, and all loans are subject to credit, property and underwriting approval. Rates, terms and costs depend on the lender and your file and appear on your Loan Estimate. Market figures come from the sources linked above and were checked in October and November 2026.