Compare today's VA, FHA, conventional, and jumbo loan rates in Nevada. Updated daily with competitive rates for Las Vegas, Reno, Henderson, and all Nevada counties.
Multiple factors determine your final interest rate. Understanding these helps you secure the best possible terms.
Higher credit scores (740+) qualify for the best rates. Each 20-point drop can increase your rate by 0.25-0.50%.
Larger down payments (20%+) typically secure lower rates and eliminate PMI requirements on conventional loans.
VA loans often have the lowest rates (no PMI), followed by conventional, then FHA (includes MIP), then jumbo loans.
Shorter loan terms (15-year) have lower rates than 30-year mortgages but require higher monthly payments.
Single-family primary residences get the best rates. Investment properties and condos typically have higher rates.
Rates vary slightly by Nevada county. Clark County (Las Vegas) and Washoe County (Reno) typically have best availability.
Based on your unique situation, we'll find you the lowest rate available in Nevada. No obligation, just accurate numbers.
Check My Rate NowExpert analysis of current rate movements and what to expect in 2025
Rates dropped 0.75% from October highs as Federal Reserve signaled rate cuts, bringing 30-year fixed rates from 7.25% to 6.50% by year-end.
Nevada mortgage rates have stabilized in the 6.25-6.75% range for conventional loans, with minimal weekly fluctuation as markets digest Fed policy.
Nevada rates currently track 0.10-0.15% below national average due to competitive Las Vegas and Reno markets attracting multiple lenders.
Expect rates to hold steady in the 6.25-6.50% range for well-qualified borrowers. Fed unlikely to cut before March, supporting current levels.
If inflation continues cooling, anticipate 0.25-0.50% decrease by summer, potentially bringing Nevada conventional rates into the high-5% range.
Most economists predict 30-year rates settling around 5.75-6.00% by December 2025, assuming no major economic shocks or inflation spikes.
Lock strategically: If buying soon and rate is acceptable, lock. Rates can rise quickly on economic news.
Consider float-down: Ask about float-down options if you expect rates to drop during your lock period.
Don't time the bottom: Waiting for the "perfect" rate often backfires. Focus on affordability and buying power.
Refinance later: Buy now if home works, refinance when rates drop further. You can always refi to lower payment.
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Call (702) 696-9900Compare today's rates for VA, FHA, conventional, and jumbo loans across Nevada
Rates shown are for informational purposes and assume 740+ credit score, 20% down payment (except VA/FHA), primary residence in Nevada, and include 0.125% discount point. Actual rates may vary based on property location, loan amount, credit profile, and market conditions. APR includes estimated closing costs and fees. VA rates include funding fee. FHA rates include upfront and annual MIP. All rates subject to change without notice. Not a commitment to lend. NMLS #65506 | Equal Housing Lender.