Check current rates —
apply now
Current rates for conventional, FHA, VA, and jumbo loans across Nevada. Expert rate forecasts and market analysis for Las Vegas, Henderson, and Reno homebuyers.
Weekly Updates
Nevada Specific
Expert Analysis
As of ${new Date().toLocaleDateString('en-US', {month: 'long', day: 'numeric', year: 'numeric'})}
6.875% 30-Year Fixed
Current trends affecting Nevada mortgage rates
January 2026: Nevada mortgage rates are expected to remain stable in the 6.50%-7.25% range through Q1 2026. The Federal Reserve's cautious approach to rate adjustments suggests minimal volatility. For Nevada buyers: if rates dip below 6.75% for 30-year fixed conventional, that's an excellent entry point. Henderson and Summerlin markets remain competitive, so pre-approval at current rates is critical for serious buyers. Reno/Sparks buyers may see slightly better deals due to lower competition.
Nevada conventional loan rates by credit tier (30-year fixed)
Rate Impact Example: On a $425,000 Nevada home, a 760 credit score (6.625%) saves you $178/month compared to a 640 score (7.500%)—that's $64,080 over 30 years.
Current mortgage rates as of . Rates vary based on credit score, down payment, loan amount, and property location.
Your individual rate depends on several key factors. Understanding these can help you secure the best possible rate.
Higher credit scores typically qualify for lower rates. A score of 740+ gets the best conventional rates, while FHA accepts scores as low as 580.
Larger down payments reduce your rate. Putting down 20% or more eliminates PMI and often qualifies you for better rates.
Different loan programs have different rates. VA loans often have the lowest rates, followed by FHA, conventional, and jumbo.
Loan amounts above Nevada's conforming limit ($806,500 in 2025) require jumbo loans, which typically have slightly higher rates.
Shorter loan terms (15-year) have lower rates than longer terms (30-year), but higher monthly payments. Choose based on your budget.
Rates can vary slightly by Nevada county and property type. Condos and multi-unit properties may have different rates than single-family homes.
Understanding recent rate movements can help you time your mortgage application for the best possible rate.
Federal Reserve Policy: Recent Fed decisions on interest rates directly influence mortgage rates. The Fed's stance on inflation and economic growth shapes the mortgage rate environment.
Nevada Housing Market: Strong demand in Las Vegas, Reno, and Henderson keeps rates competitive as lenders compete for business in Nevada's growing markets.
Seasonal Trends: Mortgage rates often fluctuate with home buying seasons. Spring and summer typically see more activity, while fall and winter may offer slight rate advantages.
Different loan types offer different rates and benefits. Find the program that's right for your situation.
3-5% down payment
PMI removable at 20% equity
Best for good credit
3.5% down payment
580 minimum credit score
Great for first-time buyers
$0 down payment
No PMI required
For veterans & military
Loans above $806,500
10-20% down payment
For luxury properties
Not sure which loan program is right for you? Our Nevada mortgage experts can help you compare options.
Get Personalized Recommendations
Follow these proven strategies to qualify for the lowest possible mortgage rate and save thousands over the life of your loan.
Pay bills on time, reduce credit card balances, and dispute any errors on your credit report. Even a 20-point increase can lower your rate.
The more you put down, the better your rate. Aim for 20% to avoid PMI and qualify for the best conventional rates.
Rates vary between lenders. Get quotes from at least 3-5 lenders to find the most competitive rate for your situation.
Pay upfront to reduce your interest rate. If you plan to stay in the home long-term, buying points can save you money.
Once you find a good rate, lock it in. Rate locks typically last 30-60 days and protect you from rate increases during that period.
Have more questions about Nevada mortgage rates?
Speak with a Nevada Loan ExpertGet a personalized rate quote based on your credit, down payment, and financial situation. No obligation, just honest answers.
Explore Nevada home loan resources:
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.