You bring the goal. I’ll help narrow the mortgage options.
Buying a home can feel like learning a new language while making one of the biggest decisions of your life. You do not need to arrive knowing the loan name. Start with what you want to do, what feels comfortable, and how your income works.
Steven “Harry” Protopappas · Mortgage Loan Originator · NMLS #2543750 · Licensed in CA & NV
Illustrative photography. The people shown are not QHM clients.
What are you trying to do?
Pick the closest starting point. It is fine if two apply. We’ll help separate the useful options from the ones that only add noise.
Buy a home
Understand a comfortable budget, get ready to shop, make an offer, and reach closing.
02Buy when your income is not a regular paycheck
See how business income, bank statements, contract work, savings, or several income sources may be reviewed.
03Finance a rental property
Compare the expected rent, monthly payment, upfront cash, and your plan for the property.
04Use existing equity
Compare a HELOC, cash-out refinance, or another structure before moving forward.
Back in Reno and putting down roots
After a decade working as a flight attendant, I recently moved back to Reno with my wife to start our family and build our life here.
Buying a home changed the direction of my life. It gave me stability, led me into real estate investing, and helped me build more financial freedom. That experience is why I want to make the process easier to understand for other people in this community.
You do not need to figure out the right loan before we talk. Tell me where you are and what you hope to accomplish. I will explain what matters next.
Why I became a loan officer →
We’ll help you take care of the next step
You do not have to manage the whole purchase at once. Here is the path, in plain English.
Decide what feels affordable
We’ll look at the estimated payment, taxes, insurance, upfront costs, and the money you want left after closing.
See what you’re ready for
We’ll review how you are paid, your monthly bills, credit, savings, and the paperwork a lender may need.
Shop with numbers you understand
Know your estimated payment and upfront costs before you fall in love with a home or write an offer.
Offer, underwrite, close
We help coordinate the financing questions while your agent handles the real estate side.
Do the homework without getting buried
Estimate a payment, check rate context, gather documents, compare renting and buying, or run an investment-property scenario. Each tool explains what the result includes and what it leaves out.
Real experience. Clear limits. No invented proof.
I’m a Reno-based real estate investor and licensed mortgage loan originator. I manage five short-term rentals and have personally worked with W-2, 1099, and self-employed income.
Trust has to come from work you can verify: useful education, active licensing, clear estimates, and an honest explanation of what is known and what still needs to be confirmed.
You do not need to be application-ready
A first conversation can be as simple as: “Here is what I am considering. What should I figure out first?”
Talk with usThe first conversation is for planning. It is not a loan approval or commitment to lend.
Send us your info and we will follow up
Pick the option closest to your situation and add a line if you want — no documents needed yet, just enough to start the conversation.