Ryan Bradshaw-Mortgage Loan Consultant-Arbor Financial Group

Ryan Bradshaw-Mortgage Loan Consultant-Arbor Financial Group Ryan Bradshaw - NMLS # 1739078
Mortgage Loan Consultant
Arbor Financial Group NMLS # 236669.

🏡 Think you need 20% down to buy your first home? Not always!A 20% down payment may be helpful in some situations, but i...
08/27/2026

🏡 Think you need 20% down to buy your first home? Not always!

A 20% down payment may be helpful in some situations, but it isn’t a universal requirement. Depending on your qualifications, goals, and the property, you may have other options:

✅ Conventional loans: as little as 3% down
✅ FHA loans: as little as 3.5% down
✅ VA loans: 0% down for eligible borrowers
✅ USDA loans: 0% down for eligible borrowers
✅ Down payment assistance programs may also be available

Every homebuyer’s situation is different, and loan guidelines can vary. That’s why it helps to review your options before assuming you need to save 20%.

Whether you’re buying your first home in Elko or elsewhere in Nevada, Arizona, or Idaho, I’m here to make the process clear and comfortable: without pressure. 🗝️

Have questions? Reach out for a personalized conversation.

Ryan Bradshaw
Bradshaw Lending | Arbor Financial Group
📞 775-397-2001
✉️ [email protected]
🌐 bradshawlending.com

Worried about the down payment? You’re not alone! 🏡The good news: your down payment may not need to be as large as you t...
08/26/2026

Worried about the down payment? You’re not alone! 🏡

The good news: your down payment may not need to be as large as you think, and it isn’t always the full amount needed to get to closing.

Depending on your goals and qualifications, options may include:

💰 Down payment assistance programs : Some programs may help with upfront costs, subject to eligibility, income limits, property requirements, and program availability.

🏠 FHA loans : Qualified buyers may be able to purchase with as little as 3.5% down.

🔑 Conventional loans : Some qualified buyers may have options as low as 3% down.

Your total cash to close can also include closing costs, prepaid expenses, earnest money, and other transaction costs. The amount varies based on the loan program, purchase price, property, assistance options, and your overall financial situation.

That’s why a personalized review matters. We’ll help you compare your options and understand what you may realistically need: without the guesswork.

Ready to explore your path to homeownership? Send us a message or visit bradshawlending.com. We’re here to help!

Programs, terms, and eligibility requirements vary. This is not a commitment to lend. Equal Housing Opportunity.

09/02/2025

✨ 675 Willington Drive, Spring Creek NV. ✨

Welcome to nearly 4,000 sq ft of luxury living in this one-of-a-kind Katahdin Cedar Log Home. Every detail was custom-crafted to impress—12-ft tray ceilings, a warm wood stove, radiant in-floor heat, and endless Ruby Mountain views from your windows.

🍳 The kitchen of your dreams: Kenmore Elite appliances, a massive 5-ft fridge/freezer combo, walk-in pantry, double ovens, and a 6-person breakfast bar perfect for gatherings.

🛁 Retreat to the master suite, where French doors open to a 1,248 sq ft Trex deck. Spa-inspired touches include dual shower heads, soaking tub, heated floors, and an oversized walk-in closet.

🚗 Garage goals: 4-car insulated garage plus a 60x40 shop with 220V power, RV dump, and room for every adventure-ready toy. Outdoors, enjoy apple trees on drip irrigation, a duck sanctuary, snow-melting roof coils, and French drains—this property has all the extras.

Additional Info and 📸 https://charrell.cbelko.com/for-sale/675-willington-drive-spring-creek-nv-89815/10357-319064

📞 Call or text 775-388-4972 for your private showing today!

🏡 Closed & Congrats!Big congratulations to our amazing clients on their new home! 🎉 Helping people get into homes they l...
05/22/2025

🏡 Closed & Congrats!

Big congratulations to our amazing clients on their new home! 🎉

Helping people get into homes they love is what it’s all about.
Whether you’re just starting the homebuying process or ready to make a move, I’m here to guide you every step of the way.

📲 775-397-2001
📩 [email protected]

Quincee Heinz, Realtor - Re/max Legend - NV Lic # B.0143938pllc

Huge congratulations to our amazing clients on officially closing! 🏡There’s nothing better than seeing hard work and pat...
05/05/2025

Huge congratulations to our amazing clients on officially closing! 🏡

There’s nothing better than seeing hard work and patience pay off with keys in hand and a fresh start ahead. Every closing is a milestone, and we’re grateful to have been part of the journey.
Here’s to new beginnings, new memories, and the comfort of a place to call your own.

📧 [email protected]
📱 775-397-2001

Tara Sandoval-Realestate Agent

Congratulations to our clients on closing day! 🏡It’s always rewarding to see things come together and know a new chapter...
04/30/2025

Congratulations to our clients on closing day! 🏡

It’s always rewarding to see things come together and know a new chapter is officially underway. Here's to fresh starts and great memories ahead. 😊

📧 [email protected]
📱 775-397-2001

Chad Steele

Congratulations to our awesome clients on getting the keys to their new place! 🏡We’re always grateful to be part of mome...
04/29/2025

Congratulations to our awesome clients on getting the keys to their new place! 🏡

We’re always grateful to be part of moments like these — when planning, teamwork, and timing all come together to make it happen. It’s a big milestone, and we’re glad we could help make the process feel seamless. 🙌

📧 [email protected]
📱 775-397-2001

Victoria Torres-Coldwell Banker Excel S.0195619

🏗️ Building a Home? A One-Time Close Loan Makes It Easier! 🏡With one application and one closing, you can roll your cons...
04/21/2025

🏗️ Building a Home? A One-Time Close Loan Makes It Easier! 🏡

With one application and one closing, you can roll your construction and mortgage into a single, streamlined loan—saving time, money, and hassle.

💬 Have questions or want to see if it’s a good fit for you? Reach out anytime! 👇

📲 775-397-2001
📩 [email protected]

Address

321 5th Street
Elko, NV
89801

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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