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Pretty Terrific Service Department

Meet your Loan Originator
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A Las Vegas mortgage broker who starts with questions, not a pitch

Let me introduce myself.

U.S. Army Vet
Fabion Medhanie, US Army Veteran & Licensed Mortgage Loan Originator
  • U.S. Army Veteran
  • NMLS #2002997
  • Licensed in 9 states
  • English and Deutsch
  • VA, self-employed, DSCR and non-QM
Behind the work

I'm Fabion Medhanie. I'm a U.S. Army Veteran, I'm a licensed Mortgage Loan Originator based in North Las Vegas, and I'm licensed across 9 states. Most of my work is here in the valley, with buyers, veterans, business owners and investors, and the rest is spread across California, Colorado, Texas, Tennessee, Georgia, North Carolina, Florida and Virginia.

Here's how I work, so nothing about it surprises you: I'll ask you more questions than you're expecting, because I can't tell you what fits until I understand where you actually are.

The files I'm best at are the ones that don't fit the easy box. Business owners whose tax returns hide what they actually earn. Servers, bartenders, dealers and stylists whose income is strong and messy on paper. 1099 contractors. Investors buying on the property's numbers instead of their own. Veterans who were never told what their benefit was really worth. If a lender has already looked at your file for four minutes and passed, that is usually the file I want to see.

And I'm not going to pretend I can help everyone who lands on this page. Some situations I'm genuinely not the right person for, and when that's the case, I'll tell you so, and tell you who is.

One more thing that matters to some of you and to nobody else: I speak German. If you'd rather do this in German, we can do the whole thing in German, from the first call to the closing table.

0 States Licensed
0 Verified Reviews
0.0★ Client Rating
The real talk

Which side of this sounds like
your last mortgage call?

Drag the line. If the left half feels familiar, the unreturned calls, the number that quietly changed before closing, the feeling you were being handled instead of helped, can I ask you something? How long has that been going on?

Drag to compare

And if nothing changes, if you handle this the same way you handled it last time, where does that leave you six months from now?

See if I can actually help →
First-Home Playbook

Buying your first home in Las Vegas? Here's how it actually works.

Six steps, from “can I even afford this?” to keys in your hand. Tap to open the guide and page through it, or just keep scrolling, it stays out of your way.

Loan Options in Nevada and 8 more states

Which one of these is closest to you?

Most people end up in whichever program their lender makes the most on. Pick the one that sounds like your situation, and I'll tell you honestly whether it fits, or whether it doesn't.

Buying, and not sure what you'd actually qualify for.

Most buyers get one number, from one lender, and assume that's the number. It usually isn't. Tell me your down payment, credit, and timeline, and I'll show you what's genuinely on the table for you, including the programs nobody bothered to mention.

  • As little as 3% down
  • Fixed and adjustable rate options
  • Conventional, FHA, jumbo
  • Rate lock options available
Show me what I could qualify for →
3%Min Down
24hFirst Reply
30yrFixed Avail.

VA, you earned it, and nobody ever explained it.

$0 down, no PMI, and a benefit you can use again. I'm a vet, I run these every week, and I've watched too many people get steered into a loan they never needed. There is a VA funding fee on most files, 2.15% on a first use with nothing down, and it is waived outright if you draw compensation for a service connected disability. That is the part nobody mentions, so I am mentioning it. If you served, isn't it worth finding out what your benefit is actually worth?

  • $0 down payment
  • No private mortgage insurance
  • Competitive VA rates
  • Funding fee waived for service connected disability compensation
  • Reusable benefit, and no loan limit at full entitlement
See what my benefit is worth →
$0Down
NoPMI
Vet-led

FHA, when your credit score is the thing stopping you.

Either you've been told no, or you assumed the answer was no and never asked. That gap is exactly what FHA exists for, 3.5% down at 580+, gift funds allowed. Worth knowing before you count yourself out.

  • 3.5% down with 580+ credit
  • Flexible underwriting
  • Gift funds allowed
  • First-time-buyer friendly
See if FHA fits →
3.5%Min Down
580+Credit OK
GovBacked

Refinance, but is it actually worth it for you?

Plenty of people refinance and end up worse off, just later. So we run the break-even first. Lower rate, shorter term, cash out, whichever it is, you'll see the math before you decide. And if the numbers say stay put, I'll say stay put.

  • Rate & term refinance
  • Cash-out for renovation or debt
  • VA IRRRL streamline
  • Break-even analysis included
Run the numbers →
−1%Rule of Thumb
Cash-Out OK
IRRRLFor Vets

Self-employed, and tired of being treated like a risk.

You write off enough to run the business, and a W-2 lender reads that as "doesn't earn enough." Bank statement, P&L-only, DSCR and asset-based programs read your income the way it actually works. If you've been declined before, that was likely the wrong lender, not the wrong borrower.

  • 12 or 24-month bank statement programs
  • P&L only options
  • DSCR investor loans
  • Asset-based qualifying
See how my income would read →
12moBank Stmt
DSCRInvestors
NoW-2 Needed

Investor, and your own tax return keeps getting in the way.

If the property covers its own note, that can be the whole conversation. DSCR loans qualify on the rent the place brings in, not on your W-2, your tax return, or your debt-to-income ratio. No income documentation on most files. It is the difference between buying your fourth door and being told you already have too many.

  • Qualifies on property cash flow, not personal income
  • No tax returns or W-2s on most files
  • Available for LLC vesting
  • Short-term rental income considered on select programs
See what the property would qualify for →
DSCRNot DTI
LLCVesting OK
NoTax Returns

Tipped or 1099, and your income looks smaller on paper than it is in your account.

This is the most Las Vegas problem there is. You work the floor, the chair, the bar, the table, or your own truck, and the money is real, but the documentation is a mess and every lender you have called treats that as a character flaw. It is not. It is a documentation problem, and documentation problems have solutions. Bank statement programs, 1099-only programs, and the right way to average tipped income all exist for exactly this.

  • 12 or 24 month bank statement qualifying
  • 1099-only programs
  • Tipped and variable income averaged correctly
  • No tax returns required on select programs
See how my income would actually read →
1099Only OK
12moBank Stmt
TipsCounted
Calculator

What would a Las Vegas mortgage really cost you
every single month?

Not the teaser payment, the real one. Price, down payment, rate, term, taxes, insurance and HOA, updating live with a year-by-year amortization. Play with the numbers as long as you like, no sign-up to use it. Then, when you want it, I'll turn your exact scenario into a personalized Homebuying Snapshot you can keep.

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$100k$2M
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$90,000 down50%
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2%12%
yrs
8y30y
$
$
$
Try a different down payment

Published program minimums, not an offer or a rate. Tap one to watch what it does to the payment.

Monthly $0 total payment
Principal & Interest $0
Property Tax $0
Home Insurance $0
PMI $0
HOA $0
Loan amount$0
Total interest$0
Total of payments$0
Payoff date
Affordability read

To keep this inside the classic 28% rule, plan on household income around $0/yr.

Ways to lower this payment

    Want to keep this? I'll turn your exact scenario into a personalized Homebuying Snapshot — a clean one-page PDF with your numbers, your three best ways to lower this payment, your full amortization, and your next step.

    Or start a real pre-approval → General estimates only, based on the figures you enter, not a rate offer or approval. Actual rates and payments depend on your full application.
    Real reviews

    Don't take my word for it.

    You've probably heard a lender describe themselves before. So read what people who already went through it said instead, 4.9★ across 34 verified reviews, pulled from every platform I'm rated on, unedited, every one of them.

    ★★★★★

    “By far the most efficient, ethical, helpful, and knowledgeable mortgage broker I’ve ever worked with, across more than three decades.”

    Sean FlynnGoogle review · Aug 2025
    ★★★★★

    “Thanks to Fabion we found our dream home in Las Vegas. He was the best mortgage broker we could ask for and guided us through the whole process.”

    Philipp HundtGoogle review · Sep 2025
    ★★★★★

    “As a Realtor, it’s rare these days when someone goes above and beyond in their job. Fabion is one of those people.”

    Michael BurrGoogle review · Sep 2025
    ★★★★★

    “I have never had a smoother, faster experience with a mortgage company. The entire process was handled professionally and efficiently.”

    Jonathan MasonGoogle review · Jan 2026
    ★★★★★

    “Having Fabion in your corner is like having your most trusted family member fighting for your loan at every step.”

    Dakota RouthGoogle review · May 2023
    ★★★★★

    “Hands down the best service I have ever received. From start to finish, everything exceeded my expectations.”

    Mike PullinGoogle review · Aug 2025
    Leave a review →
    Take the next step

    So, what do you want to do about it?

    You can keep the situation exactly as it is. That's a real option, and for some people it's the right one. Or you can find out, in about fifteen minutes, whether there's a better version of this available to you. Whichever way it goes, you'll know.

    Start Your Application →
    Straight answers, no call required

    Rather just understand it first?

    Here's the thing most lenders won't say out loud: a confused borrower is easier to sell to. I'd rather do the opposite. These are the short, no-fluff answers to the questions that trip people up most, before you ever fill in a form or pick up the phone. Tap whichever one sounds like your situation.

    ★★★★★ 4.9 across verified reviews Real talk on the stuff that actually trips buyers up · no email gate

    Got a question these didn't cover? That's usually the one worth five minutes on the phone, no pitch, just an answer.

    Ask me that question →
    Recognition & Trust

    Award-winning mortgage broker. Accredited. Nationally recognized.

    A few of the awards and accreditations behind the work. Named, dated, and checkable.

    UWM Top 1% Certified Partner, 2025

    UWM Top 1% Certified Partner

    2025
    UWM Top 100, 2025

    UWM Top 100

    2025
    Expertise.com Best Mortgage Brokers, 2025

    Expertise.com Best Mortgage Brokers

    2025
    azcentral Best of the Desert Winner, 2026

    azcentral Best of the Desert Winner

    2026
    Logan Finance Top Producing Account, 2025

    Logan Finance Top Producing Account

    2025
    Plaza Home Mortgage Select Circle of Winners

    Plaza Home Mortgage Select Circle of Winners

    Select Circle

    Drag, swipe or use the arrows

    What usually goes wrong

    Four things people tell me
    they hated last time.

    I'm not going to tell you how great we are, you've heard that pitch. These are the four complaints that come up on almost every first call, and what happens here instead.

    “They went quiet on me.”

    It's the single most common thing people bring me. Here you'll hear where your file stands before it occurs to you to ask, and you have my direct line, not a queue.

    “I only ever got one number.”

    A bank can only show you what that bank sells. As a broker I put a network of lenders in competition and lay the options side by side. Then you pick, not me.

    “The number changed at the end.”

    Ask anyone who's closed a loan what actually stung, it's the cost that appeared in week five. Every fee is on the table from day one, and if something moves you hear it from me, not from a Closing Disclosure.

    “They wanted me to fax it.”

    Apply, e-sign and upload everything from your phone. Nobody here is going to ask you to find a fax machine or drive paperwork across town in 2026.

    Before you reach out

    What's actually holding you back?

    Whatever's making you hesitate right now, it's almost certainly one of these. So let's deal with it here, before you have to say it out loud to anyone.

    Good, you shouldn't be ready yet. Being early isn't a problem, it's an advantage, and honestly the people who talk to me twelve months out end up in better shape than the ones who call in a panic after an offer gets accepted.

    So let me ask it the other way: what's the actual downside of finding out where you stand now? You're not applying for anything, you're not committing to me, and if it turns out I can't help you, I'll say so and point you somewhere that can.

    The fit check on this site and the calculator above pull nothing. No soft inquiry, no hard inquiry, no Social Security number required. Nothing touches your credit until you decide to move to a real pre-approval, and you'd be the one making that call.

    When that day comes: mortgage inquiries made close together get scored as one, so you can shop without being punished for it. The window is 14 days on the older score models most mortgage lenders actually pull, and 45 on the newer ones. So the practical rule is simple, do your shopping inside two weeks and you are covered either way. Which means the fear of the credit hit costs people far more than the credit hit ever would.

    You absolutely should. I'd be worried about anyone who told you not to.

    Let me ask you this though, when the other quotes come back, how are you planning to decide between them? Because rate alone is where most people get caught: the lowest rate on the sheet is frequently the one with points baked in, or lender credits that vanish at closing. If you send me what you're given, I'll read it line by line and tell you plainly which one wins. Even when it isn't mine.

    Then you're ahead of most people. What did they quote you?

    Here's the only thing worth understanding: a bank can offer you exactly one menu, its own. Nothing wrong with that, but it means nobody at that bank is comparing it against anything. A broker puts a network of lenders in competition for your file. Sometimes the bank still wins, and when it does I'll tell you to take it. What I'd rather you not do is find out afterwards that you never actually knew.

    Can I ask what makes you say that, did a lender actually decline you, or is it a number you saw on an app and drew a conclusion from?

    Because there's a real difference. FHA works from 580, and from 500 with 10% down. Manual underwriting opens paths below the automated cutoffs. VA has no fixed minimum. The most expensive thing I see people do isn't getting declined, it's disqualifying themselves years before anyone ever looked at their file.

    No. FHA allows as little as 3.5% down, VA and USDA can be $0 down, and conventional loans can go to 3% down with PMI. Twenty percent isn't a requirement, it's just the point where PMI stops.

    Worth sitting with for a second: if you've been saving toward 20% for the last few years, what has the rent you paid over that stretch actually bought you?

    Insurance you pay when your down payment is under 20% on a conventional loan. It protects the lender, not you. It comes off automatically once your balance hits 78% of what the home was originally worth, based on your original payment schedule, as long as you are current. You can also ask for it to come off at 80%. One catch worth knowing: automatic removal runs off the original value, not what the place is worth now. If your home appreciated, that is a conversation to have with me, not something that happens on its own.