Headshot of Kathy Spicuzza

Kathy Spicuzza

Loan Officer

Henderson, NV Mortgage Lender

NMLS #865895

3033 Horizon Ridge #110
Henderson, NV 89052
Contact Methods
mobile Mobile
(702) 808-7493


About Kathy

With more than 20 years of experience in the mortgage industry, I leverage my expertise to empower individuals and families to achieve financial success. I serve clients primarily in Las Vegas, Arizona, Florida, Tennessee and California – known to many as the “Red Hot Loan Lady.”

My experience ranges from assisting first-time homebuyers to move-up buyers and Veterans, guiding anyone I can on their homeownership journey. I also specialize in refinancing solutions to help you manage debt, reduce monthly payments, create cash flow or expedite your mortgage term.

I serve as the education director and board member of the Veterans Associate of Real Estate Professionals (VAREP) for Las Vegas. In this role, I’m instrumental in educating real estate agents and lenders on the nuances of VA home loans. My passion also extends to advising on leveraging the equity of homes through reverse mortgages, thus creating a robust financial future in retirement.

Born in Chicago, I’ve proudly called Las Vegas home for over 30 years. My blend of Midwestern resilience and Nevadan tenacity is the bedrock of my professional philosophy. Your financial well-being is my priority, and I can help you build wealth and manage debt effectively.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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