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INDEPENDENT MORTGAGE BROKERAGEMortgageFriend, LLC

Las Vegas Mortgage Broker for VA, FHA, Conventional & Refinance Home Loans

Compare multiple lenders, loan programs, pricing, closing costs, and underwriting options across multiple licensed states.

EXPLORE LOAN PROGRAMS

START LOAN APPLICATION

GET PRE-APPROVED

Understand your purchasing power, estimated payment, down payment, and home loan options before you start shopping.

PRE-APPROVAL

LOWER YOUR INTEREST RATE

Compare refinance options to see whether a lower rate, different term, or payment structure could improve your current mortgage.

RATE & TERM REFINANCE

CONSOLIDATE YOUR DEBT

See whether whether the home equity you've built over the years can help you consolidate higher-interest debt and simplify your monthly payments.

DEBT CONSOLIDATION

HOME IMPROVEMENT

Explore home equity and mortgage options that may help finance repairs, renovations, upgrades, or major home improvements.

HOME IMPROVEMENT

REFINANCE YOUR MORTGAGE

Review rate-and-term, cash-out, and other refinance options based on your payment, equity, timing, and financial goals.

REFINANCE OPTIONS

COMPARE CLOSING COSTS

Compare lender fees, credits, title charges, appraisal expenses, and other costs that affect the true price of a mortgage.

CLOSING COSTS

25 YEARS

OF MORTGAGE EXPERIENCE

$1.8B

LOAN VOLUME

10K+

LOANS CLOSED

Considered by many to be “one of the best mortgage brokers in Las Vegas, Nevada” for VA, FHA, conventional, and alternative income documentation home loans.

The Mortgage Is Financial. The Experience Is Personal.SEE WHAT OUR CLIENTS ARE SAYING ON GOOGLE

A loan program can look good on paper. Communication, preparation, accessibility, and follow-through determine what the borrower experiences while getting it to closing.

      EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
       Posted on Google  
    Jasmine Garrett 
 
 
 
 Trustindex verifies that the original source of the review is Google. The easiest folks in the world to work with for a refinance.
  
 
      Posted on Google  
    TAMMY SPELL 
 
 
 
 Trustindex verifies that the original source of the review is Google. Blake Law and his entire team was very professional, caring, and did everything in their power to communicate on a timely manner, we were always kept in the loop and Blake made personal calls to inform me of everything that was going on. I would totally tell a friend and reccommend them to anyone looking to refinance. They were great to work with and very professional.
  
 
      Posted on Google  
    Matthew Garrett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and answered every question I sent his way. Good stuff.
  
 
      Posted on Google  
    joe tuttle 
 
 
 
 Trustindex verifies that the original source of the review is Google. Blake with Mortgage Friend is awesome!
He always responded in an extremely quick in response to any questions about the process. Blake explained all my options and made the application easy and I got funded very quickly!
  
 
      Posted on Google  
    Joann Pennington 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thanks to Ivan and Carrol for the awesome help with getting us are loan  for are pool  .
Picture to fallow after it's done.
  
 
      Posted on Google  
    Tim Beveridge 
 
 
 
 Trustindex verifies that the original source of the review is Google. The easiest folks in the world to work with for a refinance. Blake Law makes it happen whatever is necessary. He's easy going and we chatted like neighbors.
  
 
      Posted on Google  
    Taron Fox 
 
 
 
 Trustindex verifies that the original source of the review is Google. The loan took a little time then we had initially thought due some documents being incomplete or needed to be corrected.  I have difficult work hours and there patience and efforts to get this loan completed was worth the  wait. Thank you and your team.
  
 
      Posted on Google  
    Carolyn Parmelee 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have conducted business with VA Low Rates for several years. They are the best!
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Using A Mortgage Broker Means Better Rates For YouLAS VEGAS MORTGAGE BROKER
WITH MULTI-STATE LICENSING

Yes. You have a friend in mortgage.

MortgageFriend, LLC is an independent Las Vegas mortgage broker serving borrowers in Nevada and multiple licensed states. Buying, refinancing, or using home equity should begin with your numbers, your goals, and a clear comparison of the loan options, costs, and underwriting paths available to you.

A bank can offer you what that bank has on the shelf. MortgageFriend is an independent mortgage broker based in Las Vegas, Nevada, led by Garrett Law — a nationally recognized VA loan originator with over two decades in the mortgage industry. We compare options across multiple lenders instead of just one, so you’re seeing real pricing, real terms, and real underwriting requirements side by side.

Our roots are in VA lending, and that’s still where we’re most at home — serving Veterans, Service Members, and military families. We also help borrowers compare FHA loans, conventional loans, refinancing, first-time homebuyer financing, debt consolidation, and alternative income documentation loans.

The interest rate is only one piece of the puzzle. Points, lender credits, mortgage insurance, down payment, loan term, closing costs, income documentation, credit, and equity all have a say in what a loan actually costs — and whether it’s the right fit for you.

Whether you’re looking for a Las Vegas mortgage broker or need help in another state where we’re licensed, we’ll help you compare the real numbers before you commit to anything.

Buying, refinancing, or tapping into your equity shouldn’t start with a sales pitch. It should start with your numbers, your goals, and a clear picture of what each option really costs.

Start with a conversation.

(877) 239-5312

The Advantage Is Not More LoansCOMPARE THE RATE, COSTS & UNDERWRITING PATH.

Mortgage decisions are rarely about one number. Rate matters. So do points, lender credits, mortgage insurance, term, reserves, cash to close, appraisal requirements, underwriting overlays, and what happens to the loan over time.

Our job is to put those pieces next to each other and help you see what changes from one lending path to another.

ACCESS

Multiple wholesale lender relationships create more ways to compare pricing, products, and underwriting paths.

EXPERIENCE

Thousands of purchase and refinance transactions help us recognize where files can become difficult before those problems become expensive.

JUDGMENT

A mortgage can qualify and still be the wrong move. We look at payment, cost, equity, timing, and the reason for the loan before recommending a direction.

The Right Program Depends on the BorrowerVA, FHA, CONVENTIONAL & ALTERNATIVE HOME LOANS

Compare the structure, costs, and qualification path that fit your situation—not just the first program offered.

VA LOANS

Purchase, IRRRL, and cash-out options built around one of the strongest mortgage benefits available to eligible military borrowers.

EXPLORE VA LOANS

FHA LOANS

Government-insured financing that may offer lower down payment requirements and more flexible qualification for eligible borrowers.

EXPLORE FHA LOANS

CONVENTIONAL LOANS

A broad range of mortgage structures for borrowers whose credit, equity, property, and financial profile fit conventional financing.

EXPLORE CONVENTIONAL

ALTERNATIVE INCOME DOCUMENTATION

Bank statement, asset-based, DSCR, and other alternative documentation programs for borrowers with nontraditional income profiles.

EXPLORE ALTERNATIVE DOC

Know the Numbers Before You Make an OfferFIRST-TIME HOME BUYER LOANS & PRE-APPROVAL

First-time home buyers need more than a rate quote. A useful pre-approval should show purchasing power, estimated monthly payment, down payment, closing costs, property taxes, homeowners insurance, and the cash that may be needed at closing.

As a Las Vegas mortgage broker, MortgageFriend helps first-time buyers compare VA, FHA, and conventional home loan options based on eligibility, credit, income, debts, savings, and the property being purchased. Depending on the borrower and location, low down payment or down payment assistance programs may also be worth reviewing.

The goal is not to qualify for the largest possible loan. It is to understand what the home and mortgage will actually cost before making an offer.

GET PRE-APPROVED

A Credit Score Is Only Part of the Mortgage FileMORTGAGE OPTIONS FOR BORROWERS WITH CREDIT CHALLENGES

Credit challenges do not automatically rule out a mortgage. They can affect interest rates, mortgage insurance, down payment requirements, loan eligibility, and which lenders may consider the file.

We look beyond the score itself. Income, monthly debts, assets, payment history, available down payment, property type, and loan program all matter. Depending on the situation, VA, FHA, conventional, or alternative mortgage programs may provide different options.

Sometimes it makes sense to apply now. Sometimes improving a specific issue first can put the borrower in a better position. We help identify which path is realistic before unnecessary time or money is spent.

GET A QUOTE

UNDERSTAND YOUR GOALS

We start with the home, payment, timeline, and financial result you are trying to achieve.

COMPARE LOAN OPTIONS

We review realistic mortgage programs and lender options based on your financial profile.

GET PRE-APPROVED

Know your purchasing power, estimated payment, and available loan programs before you shop.

UNDERSTAND THE COSTS

Review the rate, loan term, points, lender credits, mortgage insurance, and closing costs.

MOVE TOWARD CLOSING

We help organize the file, respond to conditions, and keep the mortgage process moving.

The Easy Loan Usually Looks EasyEXPERIENCE MATTERS WHEN THE MORTGAGE IS NOT SIMPLE

Self-employment. Variable income. Credit events. A low-rate first mortgage you do not want to disturb. A property that does not fit neatly into a standard box. Those are the moments when mortgage experience becomes more than a résumé line.

The question is not simply whether a borrower can qualify somewhere. It is whether the file can be structured, documented, and placed intelligently enough to give the borrower a realistic path forward.

SEE HOW WE WORK

Understand. Compare. Structure. Close.HOW THE MORTGAGE PROCESS WORKS: PRE-APPROVAL TO CLOSING

Not every mortgage file is simple. Self-employment, variable income, credit events, unusual properties, high debt-to-income ratios, or a complicated refinance can change which lender or loan program makes sense.

Before underwriting, we review the loan structure, documentation, and issues that may affect the file. Better preparation gives the lender a clearer picture of the borrower and the transaction.

After application, the Loan Estimate and required disclosures show projected loan terms, payment information, and closing costs. Processing verifies the documentation. Underwriting reviews the file against lender and program requirements. If conditions are issued, we help borrowers understand what is needed and why.

From pre-approval through closing, a Las Vegas mortgage broker should help you understand where the mortgage stands, what is still needed, and what happens next.

MORTGAGE PRE-APPROVAL

Review income, credit, assets, debts, down payment, and available loan programs before shopping for a home.

LOAN APPLICATION

Confirm the application details and review required disclosures, including the Loan Estimate.

LOAN PROCESSING

Organize and verify the financial and property documentation needed for underwriting.

MORTGAGE UNDERWRITING

The lender reviews the completed file against the selected loan program and underwriting requirements.

MORTGAGE CLOSING

Complete final conditions, review closing documents, sign, and finalize the purchase or refinance.

The People Behind the Loan MatterMEET YOUR MORTGAGE FRIENDS

MortgageFriend’s licensed mortgage professionals bring experience in home purchases, refinancing, VA lending, FHA financing, conventional mortgages, and more complicated borrower scenarios. Founder and CEO Garrett Law, MLO NMLS #20750, leads a team focused on clear communication, careful loan structure, and helping borrowers understand the numbers before they commit.

MEET THE TEAM

Yes. You Have a Friend in Mortgage.START WITH A CONVERSATION

Tell us what you are trying to accomplish. We will help you understand the mortgage paths worth considering.

CLICK TO CALL NOW

GET A QUOTE

Contact Las Vegas Mortgage Broker
MortgageFriend, LLC

PHONE:

(877) 239-5312

HOURS:

Mon-Fri: 9am – 5pm
Pacific Time

EMAIL:

| Request @ Mortgage Friend . com |

ADDRESS:

6900 Westcliff Drive #801
Las Vegas, NV, 89145 USA

LEARN ABOUT MORTGAGES:
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6900 Westcliff Dr. - Suite 801

Las Vegas, NV 89145

(877) 239-5312

| Request @ Mortgage Friend . com |

Equal Housing Opportunity

Mortgage Friend, LLC supports and is in compliance with all Equal Housing Opportunity laws.

(877) 239-5312

Mortgage Friend, LLC is a licensed mortgage brokerage specializing in originating residential mortgage loans.

© 2026 Mortgage Friend, LLC™. All Rights Reserved. Mortgage Friend, LLC is not affiliated with any U.S. Government agency, nor do we represent any of them. Mortgage Friend, LLC Corporate Address: 6900 Westcliff Dr, Suite 801, Las Vegas, NV 89145, (877) 239-5312. VA ID 9400070000 . Click on these links to access our Privacy Policy and our Licensing Information. Consumer’s total finance charges may be higher over the life of the loan.

License look up on NMLS Consumer Access http://www.nmlsconsumeraccess.org | Alabama Mortgage Broker License No. 2790673; Arizona Mortgage Broker License No. MB-2014803; Licensed by the Department of Financial Protection and Innovation under the California Finance Lenders Act License No. 60DBO-215424; Colorado Mortgage Company Registration License NMLS ID# 2790673; Florida Mortgage Broker License No. MBR8399; Indiana SOS Brokers License NMLS # 2790673; Kentucky Mortgage Broker License No. MB940046; Maryland Mortgage Lender License NMLS # 2790673; Nevada Mortgage Company License No. NMC-162414; North Carolina Mortgage Broker License No. B-233518; Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.805555.000; Oklahoma Mortgage Broker License No. MB017939; Tennessee Mortgage License NMLS ID# 2790673; Texas – SML Mortgage Company License NMLS ID# 2790673; Utah-DRE Mortgage Entity License No. 14271899; Virginia Broker License No. MC-8166.