Mortgage solutions tailored to your needs
Hi, I'm John Naccarato with Intercap Lending. Whether you're a first-time buyer, investor, veteran, or looking to refinance, I provide expert guidance, competitive rates, and a seamless process from application to closing. You can be a 1099 worker, self-employed, it doesn't matter. I've got you!
Making dream homes a reality.
Weekly housing market insights, lending updates, and practical strategies for Southern Nevada homeowners, buyers, and real estate professionals.
Why work with John Naccarato?
Backed by Intercap Lending, I combine industry expertise with innovative technology to deliver a mortgage experience that is fast, transparent, and built around you.
Various Programs
From Conventional to FHA, VA, and USDA, we have the right loan for your specific situation.
Competitive Rates
We shop our extensive network to find you the most competitive interest rates available.
On-Time Closings
Our streamlined in-house processing and underwriting ensure you close on time, every time.
Trusted Guidance
Transparent communication and expert advice at every step of your homebuying journey.
Top Las Vegas Mortgage Programs
Finding the right home loan in Las Vegas, Henderson, or North Las Vegas is easier with a local expert. Explore our most popular mortgage options tailored for Nevada homebuyers and real estate investors.
Cash-Out Refinance
Access your home's equity with a cash-out refinance in Las Vegas, Henderson, and throughout Nevada.
Learn about Cash-Out RefinanceConventional Home Loans
A Conventional Mortgage is the standard by which all other mortgage loans are measured. Explore 15 to 30-year fixed-rate and adjustable options in Las Vegas.
Learn about Conventional Home LoansFHA Home Loans
FHA loan services help people with lower credit scores and limited savings become homeowners in Las Vegas.
Learn about FHA Home LoansJumbo Home Loans
Jumbo mortgage financing for higher-priced homes in Las Vegas and Nevada. Financing solutions for luxury properties that exceed conforming loan limits.
Learn about Jumbo Home LoansVA Home Loans
If you served your country, you've earned benefits. VA home loans are one of the best benefits available. Zero down payment. Competitive rates. No mortgage insurance.
Learn about VA Home LoansDSCR Loan Program
Debt Service Coverage Ratio (DSCR) loans and property investment loans for real estate investors in Las Vegas and Nevada.
Learn about DSCR Loan Program
Your Local Las Vegas Mortgage Expert
Navigating the Las Vegas real estate market requires a lender who understands the local landscape. Whether you are buying a starter home in Centennial Hills, a luxury estate in Summerlin, or an investment property in Henderson, I provide localized expertise to secure the best financing possible.
- Deep Local Knowledge: Serving all of Clark County including Las Vegas, North Las Vegas, Henderson, and Boulder City.
- Fast, Local Processing: Backed by Intercap Lending, we process and underwrite loans efficiently to meet tight closing deadlines.
- Personalized Strategies: From temporary rate buydowns to down payment assistance, we tailor your mortgage to your financial goals.
What clients are saying
Real reviews from real homebuyers and homeowners John has helped across Las Vegas and Southern Nevada.
Common questions from Las Vegas homebuyers
Answers to the questions John hears most often from buyers across Las Vegas, Henderson, and Clark County.
Still have questions? I'm happy to help.
Book a CallReady to buy your dream home?
Take the first step today. Get pre-approved in minutes and shop for your new home or investment property with confidence.