Check current rates —
apply now
Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on Conventional loans
See today's rates for Nevada conventional, FHA, VA, and jumbo loans. Compare your options and lock in your rate. Rates shown are for qualified borrowers with strong credit.
30-Year Fixed
From 6.75%
APR 6.89%
15-Year Fixed
From 6.00%
APR 6.12%
4.9/5 Rated Lender
847 Nevada reviews
24hrs
pre-approval
Updated daily for Nevada homebuyers. Actual rates vary by credit score, down payment, and property location. Lock in your rate today.
*Payment examples based on $400,000 loan amount with 20% down payment (conventional/jumbo), 3.5% down (FHA), or 0% down (VA). Actual rates vary by credit score (620-800+), loan-to-value ratio, property type, occupancy, and debt-to-income ratio. Rates updated daily as of December 30, 2025. APR includes fees and costs. Nevada residents only. NMLS #65506. Equal Housing Lender.
Lock your rate for 60 days while you shop for homes
Get pre-approved in as fast as 24 hours with complete docs
Transparent pricing with detailed loan estimates upfront
Your actual rate depends on credit score, down payment, and loan program. See your custom rate in minutes.
Multiple factors determine the rate you'll receive. Understanding these helps you get the best possible terms on your Nevada home loan.
Your credit score is the single biggest factor. Higher scores mean lower rates:
Even a 20-point credit score difference can save thousands over the life of your loan.
Larger down payments reduce lender risk and improve rates:
Calculate your PMI costs to see total monthly payment impact.
What type of home and how you'll use it affects rates:
Learn about investment property financing in Nevada.
Lower DTI shows stronger financial health and can qualify you for better rates:
Calculate your DTI ratio to see where you stand.
Nevada's no state income tax can improve your debt-to-income ratio compared to other states. Las Vegas and Reno area properties may have different rate adjustments due to market conditions. Working with a Nevada-based lender ensures you get rates optimized for local market conditions.
Talk to a Nevada Loan OfficerGet answers to common questions about mortgage rates, rate locks, and how to secure the best rate in Nevada.
Get a personalized rate quote based on your credit, down payment, and loan amount. Most borrowers receive their rate quote within 30 minutes.
Get answers to common questions about Nevada mortgage rates
To qualify for the best mortgage rates in Nevada, aim for a credit score of 740 or higher. However, you can still get competitive rates with scores as low as 620 for conventional loans or 580 for FHA loans. VA loans are more flexible with credit requirements. Your actual rate will depend on your complete financial profile, including down payment, debt-to-income ratio, and loan type.
Mortgage rates can change daily, and sometimes multiple times throughout the day, based on market conditions, economic data, and Federal Reserve policy. That's why it's important to lock your rate once you've found a favorable offer. Conventional Home Loans Services offers rate locks for 30-60 days to protect you from rate increases while your loan is being processed.
The interest rate is what you pay annually on the borrowed amount. APR (Annual Percentage Rate) includes the interest rate plus additional costs like origination fees, discount points, and closing costs, giving you a more complete picture of the loan's total cost.
When comparing mortgage offers, always look at both the interest rate and APR. A loan with a low interest rate but high fees might have a higher APR than a loan with a slightly higher interest rate but lower fees.
Yes, mortgage rates are negotiable. You can improve your rate by shopping multiple lenders, increasing your down payment, improving your credit score, or buying discount points. Conventional Home Loans Services works with you to find the most competitive rate based on your financial situation. We encourage you to compare our rates and terms with other Nevada lenders.
15-year mortgages offer lower interest rates and you'll pay significantly less interest over the life of the loan, but monthly payments are higher. Best for those who can afford higher payments and want to build equity faster.
30-year mortgages have lower monthly payments, making homeownership more affordable, though you'll pay more interest overall. Best for first-time buyers, those with tight budgets, or buyers who plan to invest the payment difference elsewhere.
Nevada mortgage rates are generally in line with national averages, but can vary slightly based on local market conditions, property values, and state regulations. Las Vegas, Henderson, Reno, and other Nevada cities may have slight rate variations. Working with a local Nevada lender like Conventional Home Loans Services ensures you get rates competitive with both local and national markets.
Get a personalized rate quote in minutes. Our Nevada mortgage experts are ready to help you secure the best rate for your situation.
Nevada'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.