RPRiccobono Ph.D.

Mortgage & Real Estate Guidance

Riccobono Ph.D.

Mortgage and real estate guidance for Nevada homebuyers, homeowners, sellers, relocating families, veterans, and investors.

Get Pre-Approved / Request Help Call 725-256-3229
NMLS #358185 Nevada Real Estate License #S.0205293
Philip Riccobono in Nevada desert landscape
Philip S. Riccobono, Ph.D. The Mortgage Ph.D. • The Real Estate Ph.D.

Start Here

Tell me what you need help with.

Complete the secure form below and I’ll follow up with next steps. Your email address is not displayed publicly on this website.

By submitting, you agree to be contacted about your request. This is not a loan approval or commitment to lend.

20+ yearsmortgage experience
Ph.D.educator mindset
Nevadalocal real estate focus
InvestorU.S. + international property experience

Mortgage Help

Mortgage options explained clearly.

Whether you are buying your first home, using VA benefits, exploring FHA or conventional financing, or trying to understand your refinance options, I help translate the mortgage process into plain English.

  • Purchase loans: FHA, VA, conventional, jumbo, and non-QM
  • Pre-approval strategy before you shop
  • Down payment and closing cost planning
  • Refinance and cash-out scenarios
  • Investor lending, including hard money/private money scenarios
Start a mortgage conversation →
Modern home exterior

Mortgage Calculator

Estimate principal, interest, taxes, and insurance.

This quick calculator helps buyers think through the full monthly payment picture by adding estimated property taxes and homeowners insurance.

Principal & Interest$2,772
Estimated Taxes$281
Estimated Insurance$150
Estimated Monthly Total$3,203 / month

Estimate only. It does not include HOA dues, mortgage insurance, flood insurance, lender fees, points, or program-specific costs. Actual taxes, insurance, and payment terms can vary.

Investor Lending

Hard money and private money scenarios.

For investors, fix-and-flip buyers, bridge situations, and unique property scenarios, hard money or private money may be worth discussing when traditional financing does not fit the timeline or property condition.

  • Fix-and-flip and renovation situations
  • Bridge financing and quick-close scenarios
  • Investor purchases and cash-out strategy discussions
  • Plain-English review of risks, costs, and exit plans
Discuss an investor lending scenario →
Nevada landscape for investment property strategy

Mini-Newsletter

The Riccobono Ph.D. Mortgage & Real Estate Brief

A short, practical update for Nevada buyers, homeowners, sellers, and investors. Topics include mortgage strategy, Las Vegas real estate, hard money, and buyer education.

  • National mortgage and rate trend reminders
  • Las Vegas buyer, seller, and investor notes
  • FHA, VA, conventional, non-QM, and hard money topics

Sample Issue

Las Vegas Home Prices Hit a Record High

May market notes for buyers, sellers, homeowners, and investors.

Real Estate Services

Practical guidance for buyers, sellers, and investors.

Las Vegas style residential home

Buy a Home

Get help understanding neighborhoods, payments, offers, inspections, and the buying process.

House keys and real estate documents

Sell or Move

Plan your next move with pricing strategy, financing options, and clear communication.

Nevada landscape

Invest

Discuss rental property, relocation, new construction, or long-term wealth-building goals.

About Philip

Educator. Mortgage professional. Realtor. Investor.

Dr. Philip Riccobono brings a teaching-first approach to real estate and lending. His background includes mortgage work dating back to 2002, years as an educator, authorship and publishing, baseball scouting, and hands-on property experience including buying, selling, and flipping properties in Japan and Thailand.

NMLS #358185
Nevada Real Estate License #S.0205293

“My goal is simple: help you understand your options before you make a major financial decision.”

— Philip S. Riccobono, Ph.D.

Ready to talk through your next move?

Send a quick request and I’ll follow up with next steps.

Contact Philip