About Down Payment Assistance Nevada
What this site is.
Down Payment Assistance Nevada is a deep-dive resource for first-time and qualifying repeat homebuyers researching Nevada DPA programs. Every program covered here is one Mike Certo originates loans against — not a list curated from the outside. If you have a question about how a program works at the underwriting desk, the people who answer it built this site.
Programs Mike is approved for.
- Worker Advantage — $20,000 for essential workers, no income limit (new Dec 2025)
- HIP (Home Is Possible) — statewide, up to 4% of the loan amount
- HIP for Heroes — program pricing benefit for Veterans and service members (essential workers use Worker Advantage)
- HIP for Teachers — $7,500 + program pricing benefit for K-12 teachers
- City of Las Vegas DPA — up to $25,000 silent second
- Clark County DPA — up to $25,000 for unincorporated areas
- USDA + DPA stacking — for Pahrump / rural Nye County buyers
About Mike Certo.
Mike has originated residential mortgages for 23 years. He's worked retail, wholesale, broker, and direct lender shops. Today he's Branch Manager at Cornerstone First Mortgage. ITIN loan options. Reachable on his cell when an offer needs to go in tonight.
About Cornerstone First Mortgage.
Cornerstone First Mortgage, LLC (NMLS #173855) is a direct lender — not a broker, not a referral service. We originate, underwrite (in-house on the first mortgage), and close.
About this site network.
This site is one of several Nevada-focused properties under the NV Loan Experts umbrella. For Nevada mortgage needs beyond first-time-buyer DPA — VA loans, physician loans, jumbo, investor DSCR, self-employed, divorce, California-to-Nevada relocation — see NV Loan Experts.
Get in touch.
Phone: (480) 296-6513
Email: mcerto@cfmtg.com
Apply online: portal.myhometrac.com