Hard Money
Lot Loan in Las Vegas, NV
Las Vegas is a city of 0.66 million people, and Custom Mortgage arranges Lot Loan loans there and elsewhere in Clark County, including Summerlin and Henderson. Las Vegas's median home value of $427,900 tracks the Clark County median of $431,000 closely (Census ACS 2020-2024 5-year). Clark County's 2026 conforming limit, $832,750, is 1.9 times that median, so loan size seldom binds.
The Las Vegas median household income, $73,877, is 3% under the county's. About 57% of occupied homes are owner-occupied (58% countywide). The stock is relatively new: half the homes date from 1994 or later. Renters in Las Vegas pay a median $1,563 a month in gross rent.
Lot Loan Highlights
- CMRE funds Lot Loan on an accelerated timeline.
- Asset-based underwriting — property value is primary qualification.
- LTV up to 80% as-is value or 90% ARV for fix-and-flip.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Clark County at a glance
- Las Vegas median home value
- $427,900
- Source: Census ACS 5-year, Las Vegas city, Nevada, 2020-2024
- Las Vegas median household income
- $73,877
- Source: Census ACS 5-year, Las Vegas city, Nevada, 2020-2024
- Las Vegas owner-occupied homes
- 57%
- Source: Census ACS 5-year, Las Vegas city, Nevada, 2020-2024
- Las Vegas median year built
- 1994
- Source: Census ACS 5-year, Las Vegas city, Nevada, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $431,000
- Source: Census ACS 5-year, 2024
- Median household income
- $76,472
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 58%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 5.6
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: CLARK
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Lot Loan in Las Vegas, NV
Las Vegas mortgage lending. Investment property, DSCR, and primary residence programs for Clark County.Custom Mortgage & Real Estate specializes in providing high-fidelity Lot Loan solutions tailored to the unique economic landscape of Las Vegas and the surrounding Clark County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireLas Vegas metropolitan area.
Service Areas & Neighborhoods
Our Las Vegas Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Lot Loan in Las Vegas
Yes, by $404,850: $427,900 median versus a $832,750 one-unit limit.
5.8 times the $73,877 median household income, about the same as across Clark County. Debt-to-income limits usually set the loan size.
See all Lot Loan questions and program details
Lot Loan by Location
Get local rates, loan limits, and market data for Lot Loan in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
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"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
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