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Reviewed and edited by Vatche Saatdjian, CEO with 30+ years of mortgage industry experience and a recognized expert in Conventional loans.
Reduce your monthly mortgage payment, shorten your loan term, or switch from adjustable to fixed rate. Nevada's trusted refinance specialists.
Secure a lower interest rate and reduce what you pay each month
Switch from 30-year to 15-year and pay off faster
Move from adjustable to fixed for payment stability
Takes about 60 seconds to check eligibility
Three straightforward steps to potentially lower your monthly mortgage payment
Answer a few quick questions about your current loan and goals. Takes about 60 seconds — no commitment required.
Your loan officer presents personalized refinance scenarios — see potential savings and choose what works for you.
We handle the paperwork. Your new loan replaces the old one — often with a lower payment or shorter term.
A rate-and-term refinance replaces your current mortgage with a new one — typically to get a lower interest rate, change your loan term, or both. Here's when it may be right for you:
If current rates are lower than when you got your loan, refinancing could reduce your monthly payment.
Better credit may qualify you for improved loan terms — even if market rates haven't changed much.
Moving from a 30-year to 15-year loan builds equity faster and may lower total interest paid.
Lock in a fixed rate for predictable payments that won't change with market fluctuations.
This page is about rate-and-term refinancing — replacing your mortgage to get better terms without taking cash out.
If you want to tap your home equity for renovations, debt consolidation, or other expenses, see our cash-out refinance options.
Learn About Cash-Out RefinanceLocal team that knows the Las Vegas market inside and out
Streamlined process designed to close quickly and efficiently
Dedicated loan officer guides you through every step
Access to multiple loan products to find your best fit
Common questions about conventional refinancing in Nevada
Have more questions? We're here to help.
Check your eligibility in about 60 seconds. No commitment, no hard credit pull to get started. A Nevada loan officer will review your options and reach out with personalized scenarios.
Prefer to talk to someone?
Reduce your interest rate, shorten your loan term, or lower your monthly payment. See your refinance options in about 60 seconds.
Lower Interest Rate
Reduce your rate, reduce your payment
Shorten Loan Term
Pay off your home faster
Remove PMI
If you've built 20%+ equity
Switch Loan Type
ARM to fixed, FHA to conventional, etc.
Looking for cash out? See our Cash-Out Refinance page.
Our Las Vegas team handles the heavy lifting so you can focus on what matters.
Complete a quick 60-second form. We'll review your current loan details and goals to show you what's possible.
A local Nevada specialist will call to discuss your refinance goals, explain your options, and answer any questions.
We coordinate with title, appraisal, and underwriting. You sign, and your new loan replaces the old one. Done.
A rate-and-term refinance replaces your existing mortgage with a new one — potentially at better terms. Here's when it typically makes sense:
If current market rates are lower than your existing rate, refinancing could reduce your monthly payment.
Better credit since your original loan? You may now qualify for more favorable terms.
More equity means better loan-to-value ratio — and potentially better rates or PMI removal.
Switch from 30-year to 15-year to pay off faster, or extend your term to lower monthly payments.
Not sure which is right for you? We'll help you decide.
Check My Refinance OptionsQuick answers to the most common refinancing questions we hear from Las Vegas homeowners.
Have more questions? Our team is here to help.
Find out if refinancing could save you money. Our Nevada team will review your situation and show you what's possible — no obligation.
Terms vary. Refinancing involves fees and may result in a higher total cost if extending the loan term. Subject to credit approval. Not all applicants will qualify. Licensed by the Nevada Division of Mortgage Lending. NMLS #65506. Equal Housing Lender.
Nevada's trusted conventional mortgage lender since 2004. 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 →© 2026 Conventional Home Loans. All rights reserved. NMLS #65506 | Licensed in Nevada | In Business Since 2004 | Highly Rated Nevada Lender
Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License | In Business Since 2004
Licensed to conduct business in Nevada
Phone: (702) 696-9900 | Email: [email protected]
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.