A Mortgage Team That Simplifies The Home Loan Journey,
Find The Best Loan Options, And Builds Lasting Relationships Beyond Closing Day.
Trusted Loan Officers Helping You Buy with Confidence
From pre-qualification to closing day, we simplify the mortgage process and open doors to the home you’ve been waiting for.
A Mortgage Team That Simplifies The Home Loan Journey, Finds The Best Loan Options, And Builds Lasting Relationships Beyond Closing Day.
Fast Pre-Approval
100% Bilingual Support
FHA, VA, Conv & Non-QM
Advisors
MEET OUR LOAN OFFICERS
Martha Lilia Torres
Sr. Loan Officer
NMLS: 1674416
📞 (702) 373-4993
Magalys Rodriguez Mederos
Loan Officer
NMLS: 2109700
📞 (786) 216-2609
Neisy Pineda
Loan Officer
NMLS: 2123160
📞 (702) 301-8806
Office Hours :Monday - Friday · 9AM - 5PM
ABOUT TORRES TEAM
Tailored Loan Solutions to Unlock Your Homeownership Goals
Led by Martha Lilia Torres, our Merit Lending team matches you with the right loan program for your situation — giving you clarity, options, and confidence from application to keys in hand.
Personalized Loan Programs
FHA, Conventional, Jumbo, Non-QM, and specialty options matched to your goals and financial picture.
Low Down Payment Options
Explore Down Payment Assistance and 100% financing programs designed to make homeownership reachable.
Transparent Fee Structure
Clear pricing, honest guidance, and direct access to your loan officer at every step.
Mortgage Solutions Built Around Your Needs
Choose from our diverse mortgage solutions tailored to first-time buyers, repeat purchasers, and savvy investors.
Home Purchase
Whether you’re a first-time buyer or moving up, we’ll match you with the right program, from FHA to Conventional to Jumbo.
Refinance
Lower your rate, tap into equity, or shorten your term with FHA Streamline and Conventional refinance options.
Down Payment Assistance
Programs that reduce your upfront costs and open the door to homeownership sooner. Available for eligible buyers.
Interactive Tool
Mortgage Payment Estimator
Calculate your estimated monthly payment and see a breakdown of principal, taxes, and insurance.
Home Price
$450,000
Down Payment (10%)
$45,000
Interest Rate
6.5%
Loan Term
Loan Balance
$405,000
Includes estimated PMI
Estimated Monthly Payment
$3,363
/mo
Principal & Interest
$2,560
Property Taxes (Est.)
$450
Homeowner's Insurance
$117
Mortgage Insurance (PMI)
$236
*Estimates for illustration only. Rates subject to credit and market changes.
TESTIMONIALS
Homeowner Stories:
Real Families, Real Keys
Our clients trust us to guide them through every mortgage decision - from first-time purchases to refinancing and beyond.
"Super atención y dedicación"
Super emocionado de conocer esta bella persona que me a dado una increíble experiencia lo más especial ,lo más increíble super atención se lo recomiendo a todas las personas y experimentarán una muy buena atención y dedicación en su trabajo hay tantas cosas buenas en ella.
Juan M.
Las Vegas, NV
"Knows the value of time"
Martha is a great loan officer that knows the value of time. She is serious about business and makes my life easy everytime I need a home. I highly recommend her services!
Yurismel V.
Las Vegas, NV
"5 stars thanks very much"
For Martha Torres I give her 5 stars thanks very much Martha! Always available to answer every question and explain each step in complete detail.
Miriam S.
Pahrump, Nevada USA
Our Track Record
Proven results for buyers, homeowners, and real estate partners across Nevada.
$150M+
IN LOANS FUNDED
Helping hundreds of families secure their home financing
97%
CUSTOMER SATISFACTION RATE
Based on verified closing surveys and client reviews
10-Day
AVERAGE APPROVAL PERIOD
Streamlined underwriting with zero unnecessary delays
BORROW SMART
Smarter Financing Built Around Your Long-Term Goals
Personalized Loan Structure
A mortgage plan aligned with your income, timeline, and future plans.
Long-Term Equity Growth
HELOC
Tap Into Your Home Equity with Confidence
Flexible HELOC options to help you fund renovations, consolidate debt, or take on life’s next big move without disturbing your low primary mortgage rate.
Equity AccessUp to 85%
Access a revolving credit line when you need funds.
Flexible Draw10-Yr Draw
Interest-only payment options during the draw period.
Refinance Programs
Refinance Options That Work Harder for You
FHA Streamline Refinance
Lower monthly payments with reduced paperwork and no new appraisal required in many cases.
Conventional Rate & Term Refinance
Eliminate private mortgage insurance (PMI) or switch from a 30-year to 15-year fixed loan.
Cash-Out Refinance Options
Consolidate higher-interest debt or fund significant renovations with your home equity.
We’re here to help.
Whether you’re buying your first home, refinancing, or exploring your options, our loan officers are ready to guide you. Complete the form below to start your journey today.
Fast Pre-Qualification
Know your buying power within 24–48 hours with transparent loan guidance.
No Pressure, Honest Advice
Clear fee structures, competitive rates, and direct access to your officer.
Call us directly(702) 373-4993
HoursMon - Fri: 9AM - 5PM
Stay Informed
Get expert tips and financial insights delivered to your inbox every month.
Subscribe
Get In Touch
© 2025 Torres Team powered by Merit Lending. All rights reserved.