Buying a Home
So you've decided to live the American Dream and buy a home. Despite the crazy market conditions in Las Vegas, the prices and historically low interest rates still make it a good time to buy! Las Vegas home values are lower than they have been in years (despite the uptick in 2012-13) and interest rates are incredibly low. U.S. Department of Housing & Urban Development (HUD) has information on comparing mortgage terms (pdf file), homebuying programs in your state, and more. Here is a Bankrate.com link to help you calculate how much home you can afford. Here is another affordability calculator from TotalMortgage.com: Affordability Calculator
If you're concerned about your credit score, there are credit repair agencies that offer a money back guarantee if your FICO score isn't raised a certain amount. See my links below for contact information for a local company.