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We evaluated Nevada's top mortgage lenders based on rates, customer service, loan variety, and local expertise. Here's who stands out—and why we're proud to be among them.
We ranked lenders on six key factors that matter most to Nevada homebuyers:
As Nevada's premier mortgage provider, we specialize in conventional, FHA, VA, and jumbo loans with highly competitive rates and personalized local service. Our team knows Nevada's housing market inside and out—from Las Vegas to Reno—and we close loans fast (often in 21 days or less).
We're Nevada-focused, not a nationwide faceless lender. You'll work with a dedicated loan officer who understands local programs, market trends, and how to get your deal closed quickly. Plus, our rates consistently beat the big banks.
The largest online mortgage lender offers a fully digital experience with fast pre-approvals. Great for tech-savvy buyers who prioritize convenience, though you may sacrifice the personal touch of a local lender.
Online-only process, quick apps
Fast digital approval, strong brand
Less local knowledge, mixed reviews
Guild has a strong presence in Nevada with local branches and loan officers. They offer a good mix of loan products and competitive rates, though not quite as specialized in Nevada as we are.
FHA/VA loans, in-person service
Local branches, solid reputation
Slower than digital-first lenders
Better offers low rates and a streamlined digital experience with no lender fees. Good for straightforward deals, but lacks the local Nevada expertise for complex situations.
Low-fee loans, simple transactions
No lender fees, modern platform
Limited human interaction
NAF is known for excellent customer service and competitive rates on government loans (FHA/VA). They have loan officers in Nevada but operate more as a national company than a local specialist.
Government loans, customer service
Great reviews, personalized service
National focus, not Nevada-first
Don't just pick based on brand recognition. Here's what actually matters:
A lender advertising "5.99% rate!" might have higher fees that cost you more than a 6.125% rate with lower fees. Always compare the APR (which includes fees) and ask for a Loan Estimate to see the full picture.
In competitive markets like Las Vegas, sellers want fast closings. A lender who can close in 21 days gives you an edge over buyers needing 45 days. Ask about average closing times and if they have underwriters in Nevada.
Nevada has unique programs (like down payment assistance through Nevada Housing Division) and market dynamics. A local lender knows these inside-out. Out-of-state online lenders often miss opportunities that could save you thousands.
Buying a home is stressful. You want a lender who answers calls, explains clearly, and keeps you updated. Read reviews on Google and check Better Business Bureau ratings. Responsiveness is key—if they're slow before you apply, imagine during closing.
Do they offer the loan type you need? (FHA, VA, jumbo, etc.) Can they handle non-traditional situations like self-employment or low credit? A one-size-fits-all lender might reject you while a flexible lender finds a way to yes.
The best lenders balance both: easy online application and document upload plus a real loan officer you can call when you have questions. Pure online can feel impersonal; pure old-school can feel slow. Find the middle ground.
We combine competitive rates, local expertise, fast closings, and white-glove service. See why Nevada homebuyers choose us first.
Get Pre-Approved in MinutesNevada's trusted conventional mortgage lender serving Las Vegas, Henderson, Reno and all of Nevada with competitive rates and expert guidance.
3% down, competitive rates, flexible terms
conventionalhomeloans.services →3.5% down, flexible credit, government-backed
fhahomeloans.services →$0 down, no PMI, for veterans & military
vahomeloans.services →$0 down, rural properties, income limits apply
usdahomeloans.services →
Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License
Licensed to conduct business in Nevada
NMLS Consumer Access: www.nmlsconsumeraccess.org
We are an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This company does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or handicap.
This is not a commitment to lend. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Additional restrictions may apply. Property insurance required. Flood insurance may be required. This website is for informational purposes only and does not constitute financial advice. Consult with a licensed loan officer for personalized guidance.