Purchasing a new home is a significant milestone in anyone’s life. It’s a symbol of stability, success, and the start of a new chapter. However, when thinking of buying or in the process of purchasing a new home, it’s crucial to refrain from adding any new debt or making unnecessary credit inquiries. This article will delve into the reasons behind this advice and also highlight how Aquino Capital Group stands out as the top mortgage broker in Las Vegas, ensuring a smooth home buying process.

The Importance of Avoiding New Debt

When you’re in the process of buying a home, your financial health becomes the focal point. Lenders scrutinize every aspect of your finances, from your credit score to your debt-to-income ratio. Here’s why avoiding new debt is paramount:

  1. Maintaining a Favorable Debt-to-Income Ratio: This ratio is a significant factor that lenders consider. It represents the percentage of your monthly income that goes towards paying off debts. Most lenders prefer a ratio that’s lower than 36%. Adding new debt can jeopardize this ratio, making it harder to qualify for a mortgage.
  2. Protecting Your Credit Score: Every time you apply for a new line of credit, a hard inquiry is made on your credit report. Multiple inquiries in a short span can lower your credit score, which can affect your mortgage interest rate or even your eligibility.
  3. Ensuring Affordability: Taking on new debt means another monthly payment. This can strain your finances and make it challenging to manage mortgage payments, especially in the first few months of adjusting to homeownership.

Aquino Capital Group: Your Trusted Partner in Home Buying

In the bustling city of Las Vegas, where the real estate market is ever-evolving, having a trusted partner can make all the difference. Aquino Capital Group has established itself as the top mortgage broker in the city. Here’s why:

  1. Extensive Experience: With years in the industry, Aquino Capital Group has an in-depth understanding of the Las Vegas real estate market. They can guide buyers through the complexities of mortgages, ensuring a painless process.
  2. Tailored Solutions: Every home buyer is unique, and so are their financial situations. Aquino Capital Group offers tailored mortgage solutions, ensuring that buyers receive the best rates and terms suited to their needs.
  3. Commitment to Clients: The team at Aquino Capital Group is dedicated to ensuring that clients have a smooth home buying experience. From the initial consultation to the final paperwork, they are there every step of the way.


While the excitement of buying a new home can be overwhelming, it’s essential to approach the process with a clear financial strategy. Avoiding new debt and unnecessary credit inquiries ensures that you remain in a strong position to secure a mortgage with favorable terms. And with trusted partners like Aquino Capital Group by your side, you can navigate the complexities of the Las Vegas real estate market with confidence.

Aquino Capital Group
The Aquino Capital Group empowered by NEXA Mortgage LLC founded by brothers Nick and Michael Aquino, has a goal and mission to provide a level of service that is second to none.
Company NMLS: 1877202
Equal Housing Lender
Contact Us
9805 W. Post Rd
Suite 220
Las Vegas, NV 89148
(800) 846-0729
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Aquino Capital Group LLC empowered by NEXA Mortgage LLC, NMLS # 1660690
Corporate Address 3100 Ray Rd Suite 201 Office # 209| Chandler, Arizona 85226
Company NMLS 1660690| Branch NMLS 1877202| Company State License # AZMB-0944059, Branch 8905 W. Post Rd, Suite 220 Las Vegas, Nevada 89148

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.