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Down Payment Help & Creative Financing Made Simple
Guiding first-time buyers and investors with expert mortgage solutions

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

As a mortgage lender based in Las Vegas, NV, I specialize in helping first-time homebuyers access down payment assistance and guiding investors toward creative financing solutions. My mission is to make the process simple, stress-free, and tailored to your unique goals - because buying a home or growing your investment portfolio should feel exciting, not overwhelming.

I'm licensed in multiple states, including Nevada, California, Washington, Texas, and Tennessee, which means I can support you whether you're buying locally or exploring opportunities in other markets. What sets me apart is my commitment to education and transparency. I take the time to explain your options so you feel confident every step of the way.

Outside of work, you'll find me at the gym or planning my next travel adventure - staying active and exploring new places keeps me energized and inspired.

Ready to start your journey? Contact me today and let's make your homeownership or investment goals a reality.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
5.0 out of 5.0 stars
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5.0
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5.0
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5.0
Boonn H.
Feb 10, 2026
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Kim was there for me from the beginning to the end. She made us feel safe and treated us with respect the entire time. E...See more
Boonn
Feb 8, 2026
Tonopah, NV
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Kim was there for me from the beginning to the end. She made us feel safe and treated us with respect the entire time. E...See more
Christian L.
Feb 3, 2026
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Kim Fernandez is absolutely amazing. She goes above and beyond for our clients, communicates clearly, and consistently d...See more
Martina
Feb 2, 2026
Las Vegas, NV
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Communication
Jose G.
Jan 31, 2026
Las Vegas, NV
Experience logo
Kim was very helpful, she always took time to explain details we didn't understand, and we appreciate her for that. She ...See more
sandra l.
Jan 26, 2026
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(Translated by Google) Everything was excellent and very easy, thank you for all the support 🙏🏼 (Original) Fue excele...See more

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Awards

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Causes & Memberships

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NMLS ID #1901745

I am authorized to do business in the states of California, Nevada, Tennessee, Texas and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141;

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