The PHL Community Lending Program connects homebuyers and homeowners to assistance programs that can help reduce the financial barriers to purchasing or refinancing a home. While some assistance programs may have income or first-time buyer requirements, the CLP itself is open to both first-time and repeat buyers, as well as eligible homeowners seeking to refinance.

Key Features of the CLP:

• Financial assistance for down payments and closing costs.
• Exclusively for buyers and homeowners financing a primary residence.
• Competitive refinancing options with fixed and adjustable-rate loans.
• Programs available in select areas across Nevada.

In addition to helping buyers, the CLP offers refinancing solutions to help homeowners restructure their loans with competitive rates and terms:

• 15-Year and 30-Year Fixed-Rate Loans: Enjoy consistent monthly payments with rates that may be up to 1% below market (eligibility required).
• 7-Year and 10-Year Adjustable-Rate Mortgages (ARMs): Benefit from lower initial rates with flexible terms tailored to your needs.

Contact a PHL loan officer to request a personalized rate quote and learn more about refinancing your primary residence under the CLP.

The Community Lending Program is ideal for:

• First-Time Buyers (FTHB): Achieve affordable homeownership with available assistance programs.
• Repeat Buyers: Upgrade or relocate to a new primary residence with financial support.
• Homeowners Seeking to Refinance: Take advantage of competitive rates and adjust your loan terms.

Note: Grants and down payment assistance may not be available to all applicants. Speak with a PHL loan officer to determine your eligibility.

PHL proudly serves the entire state of Nevada, but the Community Lending Program is available only in specific areas. Let us help you locate the eligible regions closest to you.

Popular Locations Where the CLP Is Available:

• Clark County: Includes Las Vegas, Henderson, and North Las Vegas, offering vibrant communities and diverse housing options.
• Carson City County: Ideal for families and individuals seeking a charming small-town atmosphere.
• Elko County: Unique opportunities in a growing community with affordable housing options.
• Washoe County: Thriving urban centers like Reno and Sparks, perfect for homeowners looking for dynamic housing markets.

At Pacific Home Loans, we’re committed to making homeownership more accessible. With the CLP, you’ll benefit from:

• Local Expertise: Our loan officers understand Nevada’s housing market and will guide you to the best opportunities.
• Personalized Support: We work closely with you to locate eligible census tract areas and match you with the best assistance programs.
• Streamlined Process: From application to funding, we make the process seamless and stress-free.

• Down Payment Assistance: Reduce upfront costs for purchasing a primary residence.
• Closing Cost Support: Financial aid to ease the home-buying or refinancing process.
• Competitive Rates: Access fixed and adjustable-rate loans that may be up to 1% below market, where eligible.
• Flexible Eligibility: Open to first-time buyers, repeat buyers, and homeowners refinancing a primary residence.
• Targeted Availability: Contact a PHL loan officer to locate the eligible areas nearest you.

Don’t let financial hurdles keep you from achieving your homeownership or refinancing goals. The Pacific Home Loans Community Lending Program is here to help make homeownership affordable and accessible across Nevada.

Speak with one of our experienced loan officers today to:

• Explore eligible CLP areas near you.
• Get a personalized rate quote for 15-year or 30-year fixed loans, or 7-year and 10-year ARMs.
• Learn how the CLP can reduce your upfront costs or improve your refinancing terms.

Contact Us Today
Make your dream of owning or refinancing your primary residence in Nevada a reality with Pacific Home Loans and the Community Lending Program.

Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.