Las Vegas, NV · NMLS #20750
Competitive rates. Honest advice. A loan officer who actually picks up the phone.
Mortgage Friend LLC is a licensed mortgage company serving Las Vegas and all of Nevada — offering home purchase loans, refinancing, VA, FHA, conventional, and jumbo products.
15+ Years Experience
#1 VA Originator · Nationally
Loan Types
Whether you're buying your first home, tapping into equity, or a veteran using your earned benefit — we match you to the right product and get it closed.
First home, investment property, or forever home — we structure the loan around your goals, not just your credit score.
Rates shifted. Life shifted. Let's see if your mortgage should too. We run the numbers honestly — no pressure either way.
Minimum 3.5% down, flexible credit requirements, and backed by the federal government. A strong path to homeownership for many buyers.
$0 down, no PMI, competitive rates. Garrett was ranked the #1 VA Loan Originator in the country — this is our specialty.
The most flexible loan type for buyers with solid credit. Down payments as low as 3%, no upfront mortgage insurance premium.
Purchasing above the conforming loan limit? We have access to competitive jumbo products for high-value Las Vegas properties.
VA Home Loans
Garrett Law was ranked the #1 VA Loan Originator in the United States in 2009. This isn't a side product — it's a specialty. If you've served, you've earned this benefit. Let's make sure you use it right.
#1
VA Originator Nationally
2009 — among all loan officers in the U.S.
$0
Down Payment Required
No down payment for eligible veterans & service members.
No
PMI Ever
VA loans never require private mortgage insurance.
15+
Years Originating VA Loans
Deep expertise in VA guidelines, entitlement, and funding fees.
VA loans are available to eligible active-duty service members, veterans, and surviving spouses. VA ID 9400070000. Subject to credit approval and VA entitlement.
Nevada Programs
Nevada offers some of the strongest down payment assistance programs in the country. Most buyers don't know they exist — or assume they don't qualify. We've helped hundreds of Las Vegas buyers use these programs to get into homes with far less out of pocket than they expected.
These programs can be stacked with FHA, conventional, and VA loans. The right combination depends on your income, credit, and the home you're buying. We figure that out for you.
Ask about Nevada DPA programsNevada's flagship program. Provides down payment assistance up to 5% of the loan amount for qualifying buyers statewide.
An enhanced version for veterans and active-duty service members — lower rates, additional assistance on top of VA benefits.
K–12 teachers in Nevada qualify for below-market interest rates and down payment assistance through this dedicated program.
Pair a 3.5% down FHA loan with Nevada DPA grants to get into a home with as little as zero out of pocket in some scenarios.
Refinance
Rates are always moving. We'll run a no-obligation analysis on your current loan — if refinancing saves you money, we'll show you exactly how much. If it doesn't, we'll tell you that too.
Broker vs. Bank
Honest answer: it depends on your situation. Here's what working with a licensed mortgage broker actually means for you.
More loan options.
A bank can only offer their own products. We work with multiple lenders — so we find the best rate and terms for your specific situation.
We work for you, not a bank.
Our job is to get you the best deal possible. Banks are incentivized to sell you their products. Those are different goals.
Competitive rates, every time.
Because we shop multiple wholesale lenders, our rates are often lower than what you'd get walking into a bank branch.
Local expertise.
We know the Las Vegas market, Nevada lending guidelines, and local DPA programs. That knowledge matters at the negotiating table.
About Garrett
Garrett Law has been originating mortgages for over 15 years, earning the #1 VA Loan Originator ranking nationally in 2009 and building a reputation as the loan officer who stays in the deal — and stays in your corner — long after closing.
Mortgage Friend LLC was built on one idea: you deserve a lender who treats you like a person, not a file number. That means real conversations, competitive rates, and no surprises at closing.
Outside the office, Garrett is a husband, father of three, Scout Master, and active member of his church community. The "friend" in Mortgage Friend isn't marketing — it's how he operates.
Ever-More Competitive Rates
We shop multiple wholesale lenders to find the best rate for your profile — not a one-size-fits-all pricing sheet.
Digital Tools, Human Touch
Apply online 24/7 through our secure portal. But there's always a real person ready when you need one.
No Guesswork or Fine Print
We show you the numbers clearly and explain what they mean. No mortgage jargon, no hidden fees, no surprises at closing.
Built on Referrals
Most of our business comes from clients who sent their friends and family. We'll earn that from you too.
The Team
Licensed loan officers in Las Vegas, NV — each with their own shareable profile page and direct application link.
Start your application online in minutes, or call us directly. Either way, you'll hear back fast.