do you do ITIN loans in Las Vegas, NV ?
Haven't seen a program for ITIN in years.

How do USDA mortgage rates compare to FHA mortgage rates?
The are very close to the same rate. Mortgage insurance is less with USDA which will make the payment better.

good resources for mortgage research
USDA would be best, unless you happen to be a Veteran. USDA is a no money down program specifically for rural housing. There are income limitations, so give me a call and we can check to see if you qualify. Adam @ WJ Bradley Mortgage 702-518-4852. You can download my mobile app at http://adamitchkawich...

What is the lowest downpayment for a 500K loan in Nevada?
The lowest that I am aware of is 10% down for Jumbo loans (Jumbo = any loan amount over $417k).Please let me know if I can help. Adam ItchkawichNMLS# 360165WJ Bradley Mortgage 702-518-4852

how long does refinancing an fha loan usually take?
Ususally about 30 days.

will be getting inheritance of 40k, should I pay down my debt, or use this for a down payment?
Most likely debt, but, before you do anything, have an originator look at the big picture first. You want to be sure that you are strategic about what you are doing.

Can I get a loan without having credit cards? I've never had one and don't really want to take one out if I don't have to.
It is not necessary. Do you have a score? Have you had other types of loans? On the flip side, using credit cards strategically is one of the best ways to get a really great credit score. My motto is that credit cards can be your best friend; or your worst nightmare if you do not treat them right! :)I also offer...