Union Home Mortgage Las Vegas branch offers conventional, FHA, VA, and USDA mortgages plus refinancing and construction loans with licensed loan officers.
Data compiled from public sources · Google rating shown when a stored review count is available
Union Home Mortgage operates a Las Vegas branch located at 7251 West Lake Mead Boulevard, Suite 300, Office 343. The company is a full-service mortgage lender licensed across multiple states (CA, FL, NC, NV, OR, TX, WA) with Branch NMLS 1744936. They serve residential borrowers seeking home purchase financing and refinancing solutions.
The Las Vegas branch offers a comprehensive suite of mortgage products including conventional loans, FHA loans, VA loans for veterans, USDA rural loans, construction financing, rehabilitation loans, and new home construction mortgages. Borrowers can access loan officer consultation, prequalification services, mortgage calculators, and a resource center. The branch maintains a dedicated support line at (702) 342-0875 with named loan officers Flint Theobald (NMLS 1843033) and Sierra Hall (NMLS 1013998) available for consultations.
Union Home Mortgage distinguishes itself through multi-state licensing, access to listed loan programs (VA, USDA, rehabilitation), and an affiliated insurance services division (Union Home Insurance Services) offering home and auto coverage. The company emphasizes customer service and provides educational resources through calculators and a resource center. Their foundation involvement and "In the News" section suggest community engagement and market visibility.
The main limitation is that detailed information about rates, fees, loan terms, and specific eligibility requirements is not available on the branch page. Borrowers will need direct contact with loan officers to obtain personalized quotes and complete product details.
This is state-level context for Mortgages & Home Loans consumers in Las Vegas, NV. It does not confirm that Union Home Mortgage - Las Vegas or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Nevada is a non-judicial foreclosure state; foreclosure by sale is permitted without court involvement if deed of trust contains power of sale clause. Residential mortgage lenders must be licensed by Nevada Financial Institutions Division. Nevada Revised Statutes § 107.010-107.480 govern mortgages and deeds of trust. Borrowers have right to cure default before foreclosure sale; homestead exemption available for primary residence (limited). Reverse mortgages regulated under federal HOEPA standards.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Union Home Mortgage - Las Vegas offers 12 services including Conventional mortgage lending for home purchase, Mortgage refinancing (rate-and-term and cash-out), FHA loans (government-backed mortgages), VA loans for veterans and active military, USDA loans for rural property purchases, and 7 more.
Union Home Mortgage - Las Vegas has profile signals associated with Veterans and active military seeking VA-backed home loans with dedicated mortgage professionals, Rural property buyers eligible for USDA financing who need a lender experienced in government loan programs, Las Vegas-area homeowners refinancing or buying with convenient local branch access and in-person consultation, Borrowers seeking integrated mortgage and home insurance solutions through affiliated Union Home Insurance Services.
Key strengths: Licensed in 6 states (CA, FL, NC, NV, OR, TX, WA) plus additional coverage—provides regulatory credibility and multi-state availability; Offers listed loan programs including VA loans, USDA loans, and rehabilitation financing—broader options than conventional-only lenders; Two named loan officers at Las Vegas branch with NMLS credentials (Flint Theobald, Sierra Hall)—identifiable, licensed professionals. Areas to consider: No rate, APR, or fee information published on branch page—cannot comparison shop without direct contact; Limited details on loan terms, down payment requirements, or credit score thresholds—borrowers must call for specifics.
In the Mortgages & Home Loans category, comparable providers include Guild Mortgage Company, InstaLend, Rocket Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Union Home Mortgage Las Vegas is profile signals for homebuyers and refinancers in Nevada and surrounding states who want access to government-backed loan programs (VA, USDA, FHA) and local branch support. The main caveat is that rates, fees, and specific terms are not disclosed online, requiring direct contact with loan officers for meaningful price comparison—this makes it essential to shop and get written quotes before committing.
Guild Mortgage Company is a national mortgage lender with a North Seattle branch offering conventional, FHA, VA, USDA, jumbo, and renovation loans since 1960.
Google rating from 31 reviews
Profile signals: First-time homebuyers eligible for down payment assistance programs, Active military members or veterans seeking VA-backed home loans
InstaLend is a private real estate lender offering hard money and bridge loans for fix-and-flip, rental, and new construction projects with published application timing and minimal paperwork.
Google rating from 243 reviews
Profile signals: Real estate fix-and-flip investors needing rapid capital deployment for time-sensitive acquisitions, Rental property investors seeking long-term financing (up to 30 years) with flexible asset-based underwriting
Rocket Loans is a personal lending platform from Rocket Companies (parent of Rocket Mortgage), offering fixed-rate personal loans with fast online applications and provider-stated funding timing.
Google rating from 258 reviews
Profile signals: Consumers in Detroit, Michigan looking for personal lending services, People who prefer working with a local personal lending provider
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
An interest rate that stays the same for the entire life of the loan. Your monthly payment never changes.
Fixed rates protect you from market changes. If rates go up, your payment stays the same. The tradeoff: fixed rates are usually slightly higher than starting variable rates.
Example
You get a 30-year mortgage at 6.5% fixed. Whether rates rise to 9% or drop to 4% over the next 30 years, your payment stays at $1,264/month on a $200,000 loan.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
An interest rate that can go up or down over time, usually tied to a benchmark like the prime rate. Your monthly payment changes when the rate changes.
Variable rates often start lower than fixed rates to attract borrowers, but they can increase significantly. Many people who got hurt in the 2008 crisis had adjustable-rate mortgages.
Example
You start with a 5/1 ARM mortgage at 5.5%. For the first 5 years you pay $1,136/month on $200,000. Then the rate adjusts to 7.5%, and your payment jumps to $1,398/month.
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example
Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A fee some lenders charge if you pay off your loan early. The lender loses the interest they expected to earn, so they penalize you for leaving early.
Always ask about prepayment penalties before signing. They can trap you in a high-rate loan even if you find a better deal to refinance into.
Example
Your mortgage has a 2% prepayment penalty for the first 3 years. If you refinance after year 2 on a $200,000 balance, you'd owe a $4,000 penalty fee.
Replacing your current loan with a new one, usually at a lower interest rate or with different terms. The new loan pays off the old one.
Refinancing can save thousands if rates drop or your credit improves. But watch for fees — a $3,000 refinancing cost needs to be offset by monthly savings.
Example
You have a $180,000 mortgage at 7.5% ($1,259/month). You refinance to 6% ($1,079/month), saving $180/month. With $3,000 in closing costs, you break even in 17 months.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
The fees paid when finalizing a home purchase or refinance — typically 2-5% of the loan amount. They include appraisal, title insurance, attorney fees, and lender fees.
Closing costs can add $6,000-$15,000 to a home purchase that buyers don't always budget for. Some can be negotiated or rolled into the loan.
Example
You buy a $300,000 home. Closing costs at 3% = $9,000. That includes: appraisal $500, title insurance $1,500, attorney $800, origination fee $3,000, taxes/escrow $3,200.
Upfront fees you pay to the lender at closing to buy a lower interest rate. One point = 1% of the loan amount and typically reduces your rate by 0.25%.
Points make sense if you plan to stay in the home long enough for the monthly savings to exceed the upfront cost. That breakeven point is usually 4-6 years.
Example
On a $250,000 mortgage at 6.5%: you pay 1 point ($2,500) to get 6.25%. Monthly payment drops from $1,580 to $1,539 — saving $41/month. Breakeven in 61 months (5 years).
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
An account managed by your mortgage lender that holds money for property taxes and homeowners insurance. A portion of each mortgage payment goes into escrow, and the lender pays these bills for you.
Escrow ensures taxes and insurance are always paid on time (protecting the lender's investment). Your monthly payment may go up if taxes or insurance increase.
Example
Your mortgage payment is $1,400: $1,050 principal+interest + $250 property taxes + $100 insurance. The $350 for taxes/insurance goes into escrow. The lender pays your tax bill in December from escrow.
A government-insured mortgage that allows lower down payments (as low as 3.5%) and lower credit score requirements (580+). The FHA insures the loan, reducing risk for lenders.
FHA loans make homeownership accessible for first-time buyers and those with imperfect credit. The tradeoff: borrowers are required to pay Mortgage Insurance Premium (MIP) for the life of the loan.
Example
You have a 620 credit score and $10,500 saved. On a $300,000 home: FHA lets you put 3.5% down ($10,500) vs. conventional requiring 5-20% down ($15,000-$60,000).
The ratio of your loan amount to the property's appraised value, expressed as a percentage. It tells the lender how much of the home's value they're financing.
LTV above 80% usually requires Private Mortgage Insurance (PMI), which adds $100-300/month. Lower LTV can mean lower lender risk and different rate context.
Example
Home value: $300,000. Down payment: $60,000. Loan: $240,000. LTV = 80%. You avoid PMI. If you only put $30,000 down (90% LTV), you'd pay PMI until you reach 80%.
Replacing your current mortgage with a new one, usually to get a lower rate, change the loan term, or pull cash out of your home equity.
A 1% rate reduction on a $250,000 mortgage saves ~$150/month ($54,000 over 30 years). But closing costs of 2-5% mean it can be useful to stay long enough to break even.
Example
You have a $300,000 mortgage at 7.5% ($2,098/month). Rates drop to 6%. Refinancing costs $8,000 in closing. New payment: $1,799/month. Monthly savings: $299. Breakeven: 27 months.
Insurance that protects the LENDER (not you) if you default on a mortgage with less than 20% down payment. You pay the premium, but it only covers the lender's loss.
PMI typically costs 0.5-1.5% of the loan per year and adds nothing to your equity. Once you reach 20% equity, you can request it be removed.
Example
On a $250,000 loan with 10% down, PMI at 0.8% = $2,000/year ($167/month). After 5 years, your home's value rises and your equity reaches 20%. You request PMI removal and save $167/month.
A mortgage backed by the Department of Veterans Affairs for eligible military members, veterans, and surviving spouses. Key benefits: no down payment required and no PMI.
VA loans are among the mortgage options with notable listed benefits — 0% down, no PMI, and rate claims to verify. They're earned through military service and can be used multiple times.
Example
A veteran buys a $350,000 home with a VA loan: $0 down, no PMI, 5.8% rate ($2,054/month). A comparable conventional loan with 5% down would require $17,500 down plus $175/month PMI.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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