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Home loans in Incline Village, NV
Incline Village is one of Lake Tahoe's most exclusive markets, where the majority of purchases land well above conforming loan limits. As a broker based right here on Southwood Boulevard, Kevin Darmody structures jumbo and portfolio financing for lakefront estates, ski-access homes, and second residences.
Because most Incline Village homes price above the conforming limit, jumbo underwriting is the rule rather than the exception — and Nevada's lack of state income tax draws buyers who want financing structured around complex, multi-state income.
Loan programs popular in Incline Village
Jumbo loans
Financing above the county conforming limit, structured for high-value homes with competitive rates and flexible down-payment options.
Second-home & vacation financing
Programs built for second homes and short-term-rental properties, including DSCR options that qualify on the property's income.
Purchase loans
Pre-approval and purchase financing with a local broker who can compare programs across many lenders, not just one bank's menu.
Refinance
Rate-and-term and cash-out refinancing to lower your payment, shorten your term, or tap equity for renovations.
Neighborhoods we serve
- Lakeshore
- Crystal Bay
- Tyrolian Village
- Mill Creek
- Ponderosa Ranch
Frequently asked questions
Do most Incline Village homes need a jumbo loan?
Yes. Prices here typically exceed the Washoe County conforming limit, so jumbo financing is the norm. We compare jumbo programs across multiple lenders to find the best rate and structure for your situation.
Can I finance a second home or vacation rental in Incline Village?
Absolutely. We offer second-home and investment programs, including DSCR loans that qualify based on the property's rental income rather than your personal income.
Are you local to Incline Village?
Yes — the office is at 929 Southwood Blvd, Unit 2B, Incline Village, NV. You can reach Kevin directly at (415) 341-4472.