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Free guides, calculators, and expert advice for Nevada homebuyers. Learn why Conventional loans work best for strong credit, plus resources for FHA, VA, and specialty programs.
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Step-by-step guides covering every aspect of buying a home in Nevada from pre-approval to closing day
Complete step-by-step guide covering the entire home buying process in Nevada from pre-approval to closing day and beyond.
Read Full GuideInteractive checklist covering credit preparation, savings, document gathering, and pre-approval readiness.
Complete guide for first-time buyers in Nevada covering loan programs, down payment options, and common mistakes to avoid.
Nevada first-time homebuyer programs including down payment assistance, state programs, and qualification requirements.
Complete guide to Nevada down payment assistance programs for 2026 state county and local programs available.
Complete guide to Nevada closing costs including average fees buyer vs seller costs and how to reduce expenses.
Side-by-side comparisons to help you choose the right mortgage program for your Nevada home purchase
Compare credit requirements down payment differences and which is better for you
Side-by-side comparison for Nevada veterans and service members
Which should you choose if you qualify for both programs
Compare monthly payments total interest and which term is right for you
In-depth comparison with PMI vs MIP costs and scenarios
Understanding differences pros cons fees and which is better
Free interactive calculators to estimate payments, affordability, refinance savings, and more for Nevada mortgages
See how much home you can afford
Calculate monthly mortgage payments
Calculate your debt-to-income ratio
Estimate refinance savings potential
Estimate private mortgage insurance
View payment breakdown over time
Calculate down payment and closing costs
How much house can you afford in Nevada
Explore our full suite of tools
Learn about credit requirements, DTI ratios, pre-approval process, and qualification strategies
How low can you go minimum scores and qualification
Why DTI matters and how to improve it
Key differences and which one you need
Complete guide to mortgage pre-approval
Guide for business owners and contractors
Getting an FHA loan with student loans
Everything you need to know about refinancing your Nevada mortgage to lower rates or access equity
Tap your home equity for cash requirements rates
Lower your FHA payment with minimal documentation
VA streamline refinance for lower rates
How to remove private mortgage insurance
Options after mortgage hardship or forbearance
Should you pay off your mortgage early benefits vs costs
Stay informed about Nevada's housing market, mortgage rates, trends, and economic factors affecting homebuyers
Current rates updated weekly for all loan types
Market outlook and rate forecast for Nevada
How Federal Reserve affects Nevada rates
Cost comparison and when buying makes sense
2026 property tax rates by county
Review of top mortgage lenders for 2025
Avoid costly mistakes and get answers to frequently asked questions about Nevada mortgages
Common mistakes Nevada homebuyers make
Top 20 mortgage questions answered
50 terms every Nevada homebuyer should know
Step-by-step guide to your loan estimate
When and how to lock your Nevada rate
Understanding true loan costs
In-depth analysis of specialized mortgage topics for experienced buyers and those with unique financing needs
When buying down your interest rate makes financial sense
2-1 and 3-2-1 buydowns for Nevada homebuyers
How lender credits work and tradeoffs to consider
VA loans USDA loans and 0% down programs
Pros cons alternatives and when they make sense
Compare both options to tap your Nevada home equity
Warrantable vs non-warrantable condos in Nevada
Waiting periods and credit rebuilding strategies
3% and 5% down conventional mortgage programs
Learn about specialized mortgage programs including FHA, VA, USDA, construction, investment property loans, and more
3.5% down FHA loans requirements limits approval process
Zero down VA loans for Nevada veterans and military
How to get your VA COE step-by-step guide
Zero down USDA loans for rural Nevada areas
Financing for luxury homes above conforming limits
Build your dream home with construction-to-perm loans
Rental property and real estate investor financing
Qualify using bank statements instead of tax returns
Finance fixer-uppers with renovation loans
Localized mortgage information for major Nevada cities and counties with market insights and area-specific guidance
Mortgage lenders and home loans in Las Vegas Nevada
Henderson Nevada mortgage rates and local lenders
Reno Nevada mortgage lender with local expertise
North Las Vegas mortgage loans FHA VA conventional
Sparks Nevada mortgage rates and calculator
State capital mortgage loans and financing options
Clark County Nevada mortgage lending Las Vegas metro
Washoe County Nevada Reno Sparks mortgage lender
Henderson first-time homebuyer guide and programs
Our Nevada mortgage experts will help you find the perfect conventional loan program and guide you through the entire process.
Strong credit? See your Conventional loan options • 24-hour decisions
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.