Down Payment Help & Creative Financing Made Simple

Guiding first-time buyers and investors with expert mortgage solutions

Kim Fernandez

Loan Officer

NMLS# 1901745

901 N Green Valley Pkwy, Suite 200,
Henderson, NV 89074

(702) 546-8152

Email

Phone

Social

Apply Now

Or, access your existing account

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.

READ BLOG

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.

Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

Jumbo loans

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Meet my team

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

Amber Franklin

Transaction Coordinator

[email protected]

I am not a licensed loan originator.

Home equity insights

For homebuyers

Discover homes that grow equity

For homeowners

Learn how much your home is worth

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

Video Gallery

Awards

Causes & Memberships

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;