Looking for a Home Loan? You've come to the right place to get Home!

Proudly serving customers in Nevada, California and, Florida


Deciding how to manage your mortgage can be difficult! Smart people always choose a mortgage broker for four main reasons:


Great Rates

Brokers work for you, so they shop around among dozens of wholesale banks to find the best rate for you.


No Lender Fees

In most cases you won't pay any lender fees at all, saving you thousands of dollars.


Faster Closing

Our on-line application and underwriting process takes about 15-20 days from start to finish to close your loan.


Loan Program Flexibility

As a broker, we have access to loan programs not found at banks, so we can get you into your own home by offering financing options few know about, including self-employed options and zero-down programs with no income caps.



Years Experience


Loans Closed


Of our clients would recommend us


Rated mortgage company in Las Vegas

Let me help you get your home today.

Joshua Nieves
Producing Branch Manager

Joshua Nieves


Our Philosophy 

At Merit Lending we have a strong and genuine belief in the “customer for life” principle of doing business: it is what fuels our company. Referrals from previous customers and local real estate professionals have always delivered the majority of our production. 

Our Team at Merit Lending takes pride in being one of the mortgage leaders in the markets we serve.  Through our ethics, policies, practices, technology and support, the home buying experience will be quick and easy.  The Merit Lending culture is one where the customer comes first. It is our goal to build customers for life by helping homebuyers achieve their dreams. Our customers will always be treated fairly and honestly. 



Proactive communication is central to working with our clients and partners. Everyone at Merit Lending takes pride in communicating with our customers throughout the entire home buying process, educating and informing them throughout the entirety of their loan. We are also proud of the level of accessibility our team provides. Our loan officers are available when our clients need us, including evenings and weekends. 


Start your home loan process here!

From our office in Las Vegas, we serve customers throughout the area, including Henderson, Boulder City, Paradise, and North Las Vegas. We offer a wide range of mortgage programs, including conventional loans, FHA and VA loans, jumbo loans, construction loans, and more. We can also assist you with refinances and reverse mortgages. 


We take the time to get to know you and understand your goals. Armed with that knowledge, we shop around to find the best mortgage programs for you. Whether you are a first-time buyer or a seasoned property owner, you will appreciate how hard we work to get the job done for you. We can help you even if you have credit challenges or need down payment assistance. 


Contact us now to speak directly with one of our mortgage lenders in Las Vegas. 

An upscale house in California


We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.


The accurate and confident way to get approved for a home loan is to select the “Apply” button. With this option we’ll check your credit, too, and you’ll be invited to complete a full application and securely upload to us all the documentation we’ll need to issue an actual loan approval.

If you only want to get a “rough idea” if you may qualify for a home loan, then select the “Pre-Qualify” button. With this option you simply answer some basic questions, only a soft-pull credit report is done under Experian, and no documentation is required.

  • Ready For Purchase
  • Documents Ready
  • Done Your Research
  • Short On Time
  • Looking For Recommendations
  • Soft Credit Pull


NMLS #557025


Equal Housing Lender

Contact Us

Joshua Nieves Lending Team - Merit Lending
9960 W Cheyenne Avenue #240
Las Vegas, NV 89129
(702) 580-5069