Real Local Loan
Real Loans for Real Locals
Your dream home is closer than you think. Get expert guidance from a team who grew up right here in Las Vegas — and still calls it home.
Understanding Your Debt-to-Income Ratio
Your Debt-to-Income (DTI) ratio helps lenders understand how much of your income can comfortably go toward your monthly mortgage. It’s one of the key factors that determine your loan eligibility — and how confident you can feel about managing payments long term.
Typical DTI Guidelines in Today’s Market
While every situation is unique, most loan programs follow similar guidelines:
Conventional Loans: Usually capped around 28/36 (housing/total debt)
FHA Loans: Often more flexible, up to 29/41
How to Read Your Ratio?
The first number shows how much of your income goes to your mortgage, insurance, and taxes.
The second number includes all your monthly obligations — car payments, credit cards, and other loans.
What Our Las Vegas Real Buyers Are Saying
From custodians and cafeteria workers to aides and district employees, hear how The Galindo Team made the homebuying process simple, fast, and personal for the people who keep our schools running.
★ ★ ★ ★ ★
"The Galindo Team made the entire process so easy. They truly care about helping our community!"
Las Vegas Local
Verified Homeowner
★ ★ ★ ★ ★
"The Galindo Team made the entire process so easy. They truly care about helping our community!"
Las Vegas Local
Verified Homeowner
★ ★ ★ ★ ★
"The Galindo Team made the entire process so easy. They truly care about helping our community!"
Las Vegas Local
Verified Homeowner
Find Out What You Qualify For — Without Affecting Your Credit
Our local pre-qualification process makes it easy for school staff to see what they can afford and which Las Vegas home loan programs best fit their goals — all without impacting credit.
Real-time feedback from a trusted local loan expert
Access to down payment assistance and refinancing options designed for school employees
A clear path forward — no confusing forms or hidden fees
Whether you’re a first-time buyer or refinancing your current home, The Galindo Team is here to guide you every step of the way — with the care and transparency you deserve.
Hey Real Loans Buyers? We're Here for You
Let us help you find the perfect loan program for your situation.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Information provided is for educational purposes only. It should not be construed as financial or legal advice or instruction. Citywide Home Mortgage does not guarantee or assume liability for the accuracy, completeness or timelines of the information. You should conduct additional research before making any mortgage related decisions.
Guaranteed Rate, Inc DBA Citywide Home Mortgage
NMLS 2611; Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613; (866) 508-5515
For Licensing Information, visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply
Maria DiMaggio Hickman NMLS #818509
Product Branch Manager
maria.hickman@citywide.com
o: 702-352-0608
c: 480-432-6373
3145 St. Rose Parkway, Suite 201 Henderson NV, 89052