Marco Zavala

Real Estate Broker & Mortgage Expert

Las Vegas Real Estate & Mortgage Expert

One Expert.
Two Licenses.
Serious Savings.

Fast preapprovals — so you can get approved and tour homes the same day.

I handle both your loan and your home purchase — so nothing gets lost between parties. You get faster approvals, stronger offers, and a smoother closing process.

Apply for a Loan → Schedule a Call → Upload Documents

Licenses, One Expert

Lender Kickbacks

Las Vegas

Local Market Expert

Las Vegas Market Intelligence

Market Snapshot

Market Pulse

Median Home Price

MoM

YoY

Inventory Supply

MoM

YoY

Avg Days on Market

MoM

YoY

Closed Sales

MoM

YoY

Buyer vs. Seller Leverage

Max Buyer
Leverage Balanced
Market Max Seller
Leverage

Buyer Leverage

Seller Pressure

New Listings — 7-Month Trend

Market Momentum Signals

Marco's Market Take

— Marco Zavala · Real Estate Broker & Mortgage Expert · Las Vegas, NV

Talk to Marco About the Market →

Market data reflects the Las Vegas–Henderson metro area. Sources: GLVAR, local MLS, broker analysis. Updated monthly. Not a guarantee of future market performance.

Your Home Buying Roadmap

How buying a home
actually works.

Six clear steps. One person handling all of it. Here is exactly what happens — and what you never have to worry about.

Step 01 of 06

Get Preapproved.
Start with clarity.

Before you tour a single home, you need a preapproval — a formal review of your income, credit, and assets that tells you exactly what you can afford. This is how you go from browsing to shopping with real buying power.

What happens

You complete a short application online. I review your income, debts, assets, and credit to determine your loan options and maximum purchase price. You receive a preapproval letter — the document sellers require before accepting any offer.

What I handle

Everything. I pull your credit, analyze your financials, select the right loan program for your situation, and process your preapproval — often same day. No waiting weeks for a bank to call you back.

What to expect

A clear number. Not a range. You will know your exact max purchase price, estimated monthly payment, estimated cash to close, and which loan programs make the most sense for your goals.

1 of 6

Term Explained

What is a Preapproval?

A preapproval is a written statement from a lender confirming you qualify for a loan up to a specific amount — based on verified income, credit, and assets. It is different from a pre-qualification, which is just an estimate. Sellers in Las Vegas typically require a preapproval letter before considering your offer.

Documents you will need

◆Last 2 years of W-2s or tax returns

◆Last 30 days of pay stubs

◆Last 2–3 months of bank statements

◆Government-issued photo ID

◆Social Security number (for credit pull)

Step 02 of 06

Review your budget
and loan options.

Knowing what you qualify for is only part of it. Knowing what you are actually comfortable paying every month is what matters. We review all of it together — payment, cash to close, loan options, and strategy.

What happens

We sit down (or connect virtually) and go through your real numbers. Monthly payment at different price points. How much cash you need to close. Which loan type fits your situation. How a rate buydown might lower your payment. All of it — in plain English.

What I handle

I build custom payment scenarios for you — comparing conventional vs FHA, different down payment amounts, and the impact of rate buydowns. Because I am also your real estate agent, I factor in property taxes, HOA fees, and insurance for Las Vegas neighborhoods you are targeting.

What to expect

Complete financial clarity before you ever walk into a home. You will know your ideal price range, your true monthly payment, and exactly how much money you need to bring to closing. No surprises.

2 of 6

Term Explained

Cash to Close vs Down Payment

Your down payment is the portion of the home price you pay upfront. But cash to close is the total amount you bring to the table — which also includes closing costs (lender fees, title, escrow, prepaid insurance, and property taxes). Closing costs typically run 2–3% of the loan amount. I will give you the exact number before you shop.

Numbers we will review together

◆Monthly principal & interest payment

◆Property tax estimate by neighborhood

◆Homeowner's insurance estimate

◆HOA fees (where applicable)

◆Total cash to close estimate

◆Rate buydown comparison (if applicable)

Step 03 of 06

Start shopping.
We move fast.

Once you are preapproved and clear on your numbers, we start touring homes. In Las Vegas, well-priced homes move quickly. Being preapproved means you can make an offer the same day you find the right one.

What happens

I set up a custom home search based on your criteria — location, size, price range, new vs resale, builder communities. We tour properties and I evaluate each one from both a real estate and lending perspective. Is it priced right? Will it appraise? Are there HOA issues? I catch things other agents miss.

What I handle

I coordinate all showings, research each property, analyze comparable sales, and assess financing risk before you fall in love with a home that will not appraise. If you are looking at new construction, I accompany you to the builder on your first visit — which is required to have representation.

What to expect

A guided, focused search — not endless scrolling. When you find the right home, we are ready to move immediately. Your preapproval letter is ready to attach to an offer the same day.

3 of 6

Important for New Construction

Builder Incentives Explained

Builders often offer incentives — closing cost credits, rate buydowns, or upgrades — but typically require you to use their in-house lender to receive them. Because I am also a licensed mortgage broker, I can compare their financing against wholesale rates and often negotiate for you to keep the incentives while getting a better loan. Always bring me before your first builder visit.

What I evaluate on every home

◆Comparable sales and true market value

◆Appraisal risk (will it appraise at price?)

◆HOA financials and restrictions

◆Days on market and pricing history

◆Neighborhood trends and resale outlook

Step 04 of 06

Make an offer.
Structure it to win.

An offer is more than a number. How it is structured — the price, the terms, the down payment shown, the loan type, and the contingencies — determines whether a seller chooses you over other buyers. I write offers designed to close.

What happens

We determine the right offer price based on comparable sales. I draft the purchase agreement, advise on earnest money, set the right contingencies, and attach your preapproval letter. The offer is submitted to the listing agent and we negotiate on your behalf.

What I handle

All negotiation. I review counteroffers, advise on strategy, evaluate seller credit requests, and make sure the terms protect you without losing the deal. Because I understand both the real estate and financing side, I can structure offers other agents simply cannot.

What to expect

Clear advice on every decision. I will tell you what the home is worth, what I think you should offer, and what risks exist — then you decide. Once accepted, we move immediately into the inspection and loan processing phase.

4 of 6

Term Explained

What is Earnest Money?

Earnest money is a good-faith deposit — typically 1–3% of the purchase price — that you put down when an offer is accepted. It shows the seller you are serious. It is held in escrow and applied toward your down payment or closing costs at closing. If the deal falls through due to a contingency, you typically get it back.

What makes a strong offer

◆Competitive price based on real comps

◆Strong preapproval from a direct lender

◆Appropriate earnest money deposit

◆Clean, well-structured contingencies

◆Flexible closing timeline (when possible)

Step 05 of 06

Inspection, appraisal,
and loan processing.

Once your offer is accepted, the real work begins — and I handle most of it. This phase typically takes 3–5 weeks and involves the home inspection, bank appraisal, and final loan approval. You mostly wait. I mostly work.

What happens

A licensed inspector examines the property. The lender orders an appraisal to confirm the home is worth what you are paying. The loan file is submitted to underwriting, where the underwriter verifies all your documentation. You may be asked for additional items — I manage all of it.

What I handle

I coordinate the inspection, review the report with you, and negotiate repairs or seller credits if issues are found. I manage the appraisal process, respond to underwriting conditions, and keep the transaction on schedule toward your closing date. You have one point of contact for everything.

What to expect

Regular updates. I communicate proactively — you will always know what is happening and what is needed. Most buyers describe this phase as surprisingly smooth when they have one person managing both sides of the transaction.

5 of 6

Term Explained

What is an Appraisal?

An appraisal is an independent valuation of the home conducted by a licensed appraiser hired by the lender. The lender will not loan more than the appraised value. If the home appraises below the purchase price, we have options — negotiate the price down, cover the gap, or walk away. I prepare for this scenario before we even make the offer.

What happens during this phase

◆Home inspection (typically day 3–7)

◆Repair negotiation (if needed)

◆Appraisal ordered and completed

◆Underwriting review and approval

◆"Clear to Close" issued by lender

Step 06 of 06

Final signing.
You get the keys.

Closing day is the finish line. You sign final loan documents, your funds are transferred, and the deed records in your name. The whole process — from preapproval to keys — typically takes 21 to 45 days.

What happens

You receive a Closing Disclosure — a detailed breakdown of every cost — at least 3 days before closing. You wire your down payment and closing costs to the escrow company. You sign loan documents (often at a title company or via mobile notary). The lender funds the loan. Title records. You get the keys.

What I handle

I review your Closing Disclosure with you to make sure every number is accurate. I coordinate the final walkthrough of the property. I stay available through funding and recording to make sure nothing delays your closing. After closing, I remain your resource for anything you need.

What to expect

A smooth, organized closing with no surprises. Because I handled both the loan and the real estate side, there is no finger-pointing between teams if something comes up. One person. One call. Done.

Start Your Preapproval → 6 of 6

Term Explained

What is a Closing Disclosure?

The Closing Disclosure (CD) is the final itemized breakdown of every cost in your transaction — loan fees, title fees, prepaid insurance, property tax escrow, and your exact cash to close. Federal law requires you receive it at least 3 business days before closing. I review it with you line by line to make sure everything is accurate.

Closing day checklist

◆Review and approve Closing Disclosure

◆Wire funds to escrow (exact amount on CD)

◆Final walkthrough of the property

◆Sign loan and title documents

◆Lender funds — deed records — keys!

Ready to start the process?

Get preapproved today — it takes about 10 minutes and costs nothing.

Apply for Preapproval → Schedule a Call →

What I Do

Everything you need
to close with confidence

Whether you're buying, selling, financing, or building — I handle every piece of the puzzle.

🔑

Buying a Home

From your first search to keys in hand, I guide you through every step — representing your best interests, negotiating hard on price and terms, and financing the deal at the best possible rate.

Start Your Search →

📋

Selling a Home

I price your home strategically, market it to qualified buyers, and negotiate with the skill of someone who also understands the financing side of the deal — because I do.

Get a Free Home Valuation →

📊

Mortgage & Financing

Conventional, FHA, VA, jumbo, DSCR — I shop wholesale lenders to find the right program at the best rate. No bait-and-switch. No hidden fees. Just a clear loan that makes sense for your life.

Schedule a Free Call → Apply Online Now →

🏗️

New Construction Strategy

Builders are not your friend when it comes to financing. I negotiate upgrades, price reductions, and closing cost concessions that builder agents won't fight for — then beat their lender on the loan.

Explore New Builds →

Marco Zavala

Dual-Licensed Real Estate Agent & Mortgage Broker

Based in Las Vegas. Licensed in Nevada for both real estate and mortgage lending. I started this business because I saw how much money my clients were leaving on the table — and I knew I could do better.

NV Real Estate License NMLS Licensed Las Vegas Local

About Me

I built this business to give clients a real advantage.

I've spent years watching buyers overpay — not because they made bad decisions, but because the system wasn't designed with their best interests in mind. Agents who don't understand lending. Lenders who don't understand deals. Everyone passing the buck and nobody fighting for the client.

So I got licensed in both. Now when a client sits down with me, I can see the entire picture — the purchase price, the financing structure, the builder incentives, the long-term financial impact — and I can engineer a deal that actually works in their favor.

I fight for every dollar in negotiation — on the purchase price and the loan.
I explain everything clearly. No jargon, no pressure, no confusion.
I keep it personal. You're not a file number — I know your deal inside and out.
I move quickly. When it matters, I can turn things around fast.
I run my own company — so there's no corporate agenda between you and a good deal.

Real Deal Breakdown

Here's what working with me
actually looks like on a real deal

A real client. A real deal. Here's exactly how I got a builder's lender to drop their rate by 1.625% — while keeping every dollar of closing cost incentives.

💡

The strategy most agents don't know exists

Builder lenders offer closing cost incentives to get your business — but they often quietly inflate your rate to make up the difference. Most buyers take the deal because they don't know any better, and most agents don't catch it because they're not mortgage licensed.

Because I'm both a licensed real estate broker and a wholesale lender, I can read exactly what a builder's loan offer really costs you — and I use my own rate as leverage to force them to sharpen their pencil. The result: you keep the builder incentives and get a much better rate.

What the Builder Offered

🏠 Real Client · New Construction Home

Builder Lender's Rate 7.25%

Closing Cost Incentives Offered (conditional)

Rate Transparency ❌ Not disclosed

Loan Process Help ❌ On your own

HOA / Inspection Guidance ❌ Not included

Monthly Payment (P&I) ~$820/mo higher

Client would have paid:
7.25% for 30 years
Thousands left on the table

What Marco Negotiated

🏠 Real Client · New Construction Home

Final Negotiated Rate 5.625% ✓

Closing Cost Incentives ✓ Fully Kept

Rate Transparency ✓ Full breakdown

Loan Process Help ✓ LOEs, docs, guidance

HOA / Inspection Guidance ✓ Handled

Monthly Payment (P&I) ~$820/mo lower

Rate dropped 1.625%:
5.625% — same incentives
$820/mo saved. Every month. Forever.

*Builders require your agent to accompany you on your first visit to receive representation. Contact me before you tour so I can protect your interests from day one.

Going to a Builder? Bring Me First →

For Buyers

Buy Faster. Buy Smarter.
Keep More Money.

Fast preapprovals handled directly by me — so you can understand your numbers, get approved, and start touring homes the same day.

Get Preapproved → Run My Payment → Start Home Search →

Same

Day Preapproval

Junk Fees

Expert for Everything

The Buyer Advantage System

⚡

Speed

Fast preapprovals handled directly — no waiting days or weeks to get started. Get approved and start seeing homes the same day.

💰

Pricing

Wholesale lending access with straightforward pricing and no junk fees. Your loan costs are clear from the start.

🎯

Control

One person helping with both the loan and the home search, so decisions happen faster and nothing falls through the cracks.

The Fast Track Process

Get Preapproved

Submit your application and documents securely. I handle it directly — no back and forth with a third party lender.

Know Your Numbers

I break down your payment, cash to close, taxes, insurance, and loan options in plain language — so nothing surprises you.

Tour Homes Same Day

Once approved, we can start seeing homes immediately. No waiting for clearance or back-and-forth between teams.

Write Strong Offers

Your offer is structured with both price and financing in mind — so it's competitive and has the loan strength to back it up.

Built-In Tools

Ready to buy with a real advantage?

Get preapproved first, understand your numbers, and start shopping with someone who can guide both the loan and the home search.

Get Preapproved →

For Sellers

Sell With a Pricing Strategy,
Not a Guess.

Most agents look at comps. I look at comps, buyer payments, financing strength, rate sensitivity, and what it will actually take to get your home sold.

Market Positioning

I review comparable sales, active competition, pending listings, price reductions, inventory levels, and current buyer demand — so we enter the market at a price that attracts serious buyers, not just lookers.

Net Sheet & Pricing Strategy

Before we list, I walk you through realistic net proceeds, closing costs, potential concessions, and how your price point affects buyer activity. You'll know exactly what to expect at the closing table — before we even go live.

Financing-Aware Buyer Targeting

Because I'm also a licensed mortgage broker, I understand what buyers can actually afford at today's rates. A $10,000 price change can mean a $65/month payment difference — I use that knowledge to position your home where buyer demand is strongest.

Launch & Marketing

Professional photography, a compelling listing presentation, full MLS exposure, targeted social media, and maximum buyer-agent visibility. Your home gets in front of qualified buyers — not just browsers.

Offer Review

I don't just look at price. I analyze loan type, down payment strength, appraisal risk, seller credit requests, buyer qualifications, and realistic timelines — so you know which offer will actually close.

Closing Control

I track every moving part — appraisal, loan conditions, title, inspection deadlines, and contingency dates. Problems get handled early, not the day before closing.

Why financing knowledge matters when selling

Traditional Listing Agent

Prices mostly from comps
May not understand buyer payment limits
Reviews offers mostly by price
Depends fully on lender updates
May miss financing red flags

Broker + Mortgage Expert

Prices using comps + payment reality
Understands buyer affordability at current rates
Reviews offer strength behind the numbers
Spots loan and appraisal risks early
Helps structure cleaner negotiations

Get My Seller Strategy Review →

Free consultation. No obligation. I'll review your home, your timeline, and what it will realistically take to sell.

Free for Homeowners

What's Your Home Worth?

Get a free professional home value report — powered by the same broker-level data tools used by top real estate professionals. I'll personally review your property and send your report within 24 hours.

📊

Estimated Market Value

Based on recent sales and current market data

📈

Value Range Analysis

Low to high range so you know what to expect

🏘️

Neighborhood Comparison

See how your home stacks up against nearby sales

📄

Full PDF Report

Professional report you can keep and reference

Get My Free Home Value Report

Enter your details below and I'll send your personalized report within 24 hours — no obligation, no pressure.

Property Address

Your Name

Phone or Email

Are you thinking about selling?

Your information is never shared or sold. This is a free service with no obligation.

Rate Watch

The Rate Environment

Live market data and context to help you understand where rates stand — and where they may be headed.

10-Year Treasury Yield

Primary mortgage rate driver · Live

Mortgage rates typically run 1.5–2% above this number. When it moves, rates tend to follow.

30-Yr Fixed — National Avg

Freddie Mac · Updated weekly

Source: Federal Reserve (FRED). This is a national survey average — your actual rate depends on credit, loan type, and down payment.

Historical Rate Context

Where are we vs. history?

Historic Low
~2.65% Average
~6–7% Historic High
~18%

Loading context...

For reference only. Rates from 1971–present. Today's environment is -- relative to history.

Federal Reserve

Policy rate context

Fed Funds Rate --

Next FOMC Meeting --

Last Decision --

The Fed doesn't set mortgage rates directly but influences them through policy decisions and bond market activity.

Mortgage Rate News

Recent headlines · Via Mortgage News Daily

Loading news...

View full coverage at MortgageNewsDaily.com →

Marco's Rate Take

Updated regularly

"Rates are still elevated relative to the last decade, but buyers who wait for the 'perfect' rate often miss the right home. The smarter move is to get positioned now, understand your numbers, and be ready to refinance when rates drop. I help clients think through the full picture — not just today's rate."

— Marco Zavala, Real Estate Broker & Mortgage Expert

Talk to Marco About Rates →

Rate data is for informational purposes only and does not represent a loan offer or commitment to lend. Contact Marco for a personalized rate discussion. Sources: Federal Reserve (FRED), Yahoo Finance.

Let's Talk

I'll personally respond within one business day.

No call centers. No intake forms that go nowhere. You fill this out, and you hear from me directly.

📞

Call or Text

702-674-6225

✉️

marco@onesourcenv.com

📍

Location

Las Vegas, Nevada

🗓️

Book a Call

Schedule 15 Minutes →

📁

Already a Client?

Upload Your Documents →

Send me a message

First Name

Last Name

Phone

I'm interested in

Anything else I should know?

One Expert. Two Licenses. Serious Savings.

One expert. Both licenses.Every part of your deal covered.

Real Estate + Mortgage, Together

One Point of Contact

I Can Read a Builder's Loan Offer

Stronger Offers, Faster Closings

Market Snapshot

How buying a homeactually works.

Get Preapproved.Start with clarity.

Review your budgetand loan options.

Start shopping.We move fast.

Make an offer.Structure it to win.

Inspection, appraisal,and loan processing.

Final signing.You get the keys.

Ready to start the process?

Everything you needto close with confidence

Buying a Home

Selling a Home

Mortgage & Financing

New Construction Strategy

Marco Zavala

I built this business to give clients a real advantage.

Advanced Mortgage Calculator

Here's what working with meactually looks like on a real deal

The strategy most agents don't know exists

Buy Faster. Buy Smarter.Keep More Money.

Ready to buy with a real advantage?

Sell With a Pricing Strategy,Not a Guess.

Market Positioning

Net Sheet & Pricing Strategy

Financing-Aware Buyer Targeting

Launch & Marketing

Offer Review

Closing Control

What's Your Home Worth?

Get My Free Home Value Report

The Rate Environment

Ready to make your move?

Schedule a Free Call

Find Out What You Can Afford

See Homes in Las Vegas

Apply for a Loan Online

Upload Your Documents

I'll personally respond within one business day.

Send me a message

Schedule a Free Call

Upload Your Loan Documents

One Expert.
Two Licenses.
Serious Savings.

One expert. Both licenses.
Every part of your deal covered.

How buying a home
actually works.

Get Preapproved.
Start with clarity.

Review your budget
and loan options.

Start shopping.
We move fast.

Make an offer.
Structure it to win.

Inspection, appraisal,
and loan processing.

Final signing.
You get the keys.

Everything you need
to close with confidence

Here's what working with me
actually looks like on a real deal

Buy Faster. Buy Smarter.
Keep More Money.

Sell With a Pricing Strategy,
Not a Guess.