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Mortgage Loans in Pahrump, NV

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Mortgage Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

6

Closing

Signing the final documentation and receiving the keys to your new home!

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All about Pahrump, NV

Pahrump is an unincorporated town located at the southernmost tip of Nye CountyNevadaUnited States, about 62 miles (100 km) west of Las Vegas. Pahrump lies adjacent to the NevadaCalifornia border and the area had a population of 44,738 as of the 2020 census.

Source: https://en.wikipedia.org/wiki/Pahrump,_Nevada

History of Pahrump, NV

Pahrump was originally inhabited by the Southern Paiute. It was slowly inhabited by settlers in the late 19th century. They reportedly chose the name for Pahrump after the original Southern Paiute name Pah-Rimpi, or “Water Rock,” so named because of the abundant artesian wells in the valley. Because of the artesian wells, the new inhabitants of Pahrump Valley began a number of large ranch-style holdings, mostly over 1,000 acres (400 ha) in size. On the ranches, alfalfa and cotton were grown, and livestock were raised.

Until the 1960s, Pahrump had no telephone service except a radio transmitter phone in a phone booth next to the small market, and there were no paved roads in or out of the Pahrump Valley. As Las Vegas grew, real estate speculation became somewhat more popular in the area. This led to the introduction of telephone service and the construction of a paved highway between Las Vegas and Pahrump during the late 1960s. Later, this road (NV 160) was extended from Pahrump northward to US 95, near Amargosa Valley. A second paved road (NV 372) was introduced that went from Pahrump to neighboring Shoshone, California, which provided a link to the Death Valley area, as well as a shorter route to those wishing to travel to Los Angeles or other areas in California. In the fifties and sixties, there was a two-room elementary school and the high school students went to Shoshone. In 1974, Pahrump’s first high school, Pahrump Valley High School, was constructed.

Pahrump is an archetypal example of an exurb. Almost all significant agriculture has ended in the valley, and over the years the surface aquifers have been drained.

Las Vegas casino owner Ted Binion buried a large treasure of silver in a secret underground vault in Pahrump. In 1998, Binion died under suspicious circumstances, and one of the parties accused of murdering Binion was apprehended while digging up the vault in Pahrump. A book about the Binion murder trial (and Las Vegas poker) is Positively Fifth Street by James McManus.

On November 15, 2006, the Pahrump town board voted for an ordinance declaring English the official language of business, forbidding the display of foreign flags, and denying any benefits to illegal immigrants. A measure in the ordinance required an American flag to be displayed above any other flag, regardless of what organization, nation, or government it represented. The ordinance was repealed four months later because of bad publicity.

Source: https://en.wikipedia.org/wiki/Pahrump,_Nevada

Demographics of Pahrump, NV

As of the census of 2000, there were 24,631 people, 10,153 households, and 7,127 families residing in the census-designated place (CDP) of Pahrump. The population density was 82.7 people per square mile (31.9/km2). There were 11,651 housing units at an average density of 39.1 per square mile (15.1/km2). The racial makeup of the CDP was 96.1% White, 0.1% African American, 1.1% Native American, 1.4% Asian, 0.37% Pacific Islander, 2.27% from other races, and 2.6% from two or more races. Hispanic or Latino of any race were 12.9% of the population.

There were 10,153 households, out of which 14.2% had children under the age of 18 living with them, 58.2% were married couples living together, 7.5% had a female householder with no husband present, and 29.8% were non-families. 23.5% of all households were made up of individuals, and 10.5% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 2.83.

In the CDP, the population was spread out, with 22.3% under the age of 18, 4.9% from 18 to 24, 10.6% from 25 to 44, 28.9% from 45 to 64, and 55.3% who were 65 years of age or older. The median age was 45 years. For every 100 females, there were 102.4 males. For every 100 females age 18 and over, there were 101.4 males.

The median income for a household in the CDP was $34,860, and the median income for a family was $39,812. Males had a median income of $35,862 versus $21,586 for females. The per capita income for the CDP was $17,708. About 7.3% of families and 10.7% of the population were below the poverty line, including 14.8% of those under age 18 and 7.0% of those age 65 or over. Nye County receives an unusually large 29 percent of its income from federal benefits which amounts to $9,408 for each resident of the county.

Source: https://en.wikipedia.org/wiki/Pahrump,_Nevada

Norbert Gyorfi

Loan Officer  //  NMLS #350790

I’m passionate about helping my clients achieve the American dream of homeownership. I started in the mortgage industry in 2000 and after 22 years I still get fired up when I make that first call to a new client.

I love strategizing with my buyers and educating them on the mortgage process and the opportunity of creating wealth through real estate. I’m honored to have been recognized multiple times as a Top 1% of Mortgage Originators in America. The burning drive to be successful in our business comes from my family. They are truly the reason “WHY” my fire burns so hot.

I’m a husband and a dad of two incredible kids. In our free time, we enjoy traveling together! My hobbies include playing tennis with my son and volleyball with my daughter. They even let me coach them occasionally… when they’re being nice to me. ?

Norbert.Gyorfi@neohomeloans.com(702) 630 4200
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