What are FHA mortgage rates today?

FHA mortgage rates from Valley West start at 5.750% for a 30-year fixed and 5.375% for a 15-year fixed. Rates are updated daily from 50+ wholesale lenders and vary based on credit score, loan amount, and property type.

Why are FHA rates lower than conventional?

FHA loans are partially guaranteed by the Department of Buyers Affairs, reducing lender risk. This allows lenders to offer lower rates. FHA borrowers also pay low MIP, further reducing the effective cost.

How do I lock my FHA rate?

You can lock your rate after you are pre-approved and have an accepted offer. Valley West offers rate locks from 15 to 60 days. We recommend locking as soon as you have an accepted offer.

How often do FHA rates change?

FHA mortgage rates can change daily based on bond market movements. Rates are most volatile during Federal Reserve announcements, employment reports, and inflation data releases. Lock your rate to protect against increases.

Best FHA Lenders Las Vegas 2026 | Valley West Mortgage

Q: Does Valley West charge origination fees?

No. Valley West charges zero origination fees, zero application fees, and zero processing fees. As an independent broker we earn our fee from the lender — you pay nothing extra.

QUICK ANSWER — Current FHA mortgage rates start at 5.625% for a 30-year fixed, 5.250% for 15-year fixed, and 5.500% for FHA Streamline. FHA rates from 5.750%. Conventional from 5.990%. Valley West Mortgage updates rates daily from 50+ wholesale lenders. Zero application fees. NMLS #65506.

Reviewed by Vatche Saatdjian·Valley West Mortgage·NMLS #65506·790+ five-star reviews

FAQ

Questions? Answered.

Brokers shop 50+ lenders to find your lowest FHA rate. Banks only offer their own products at their own price. Valley West Mortgage charges zero application fees and averages 28-day closings.

FHA 30-year rates start at 5.750% in Las Vegas as of April 2026. Your rate depends on credit score, loan amount, and property type. Valley West updates rates daily from 50+ lenders.

Compare: rates offered, fees charged (application, processing, origination), average close time, reviews, and whether they are a broker (shops many lenders) or bank (only their products).

No. Valley West charges zero application fees and zero processing fees. As an independent broker, our fee comes from the lender side.

Reviewed by Vatche Saatdjian, 30+ years mortgage experience. Valley West Mortgage, NMLS #65506, 790+ five-star reviews, serving Nevada since 2004.

FHA rates from 5.750% (30yr fixed). Updated daily from 50+ wholesale lenders. 3.5% down, low MIP, zero lender fees. Valley West Mortgage, NMLS #65506.

WHY BROKERS WIN

Bank vs Broker: The FHA Difference

✓ Independent Broker (Valley West)

✓ Shops 50+ wholesale lenders
✓ Zero application fees
✓ Zero processing fees
✓ Lowest available rate guaranteed
✓ FHA, VA, Conventional, Jumbo
✓ 28-day average close

✗ Big Bank / Retail Lender

✗ Only their own products
✗ Application fees $300-$500
✗ Processing fees $800-$1,200
✗ One rate — take it or leave it
✗ Limited loan options
✗ 45-60 day close times

LOCAL EXPERTISE

What Makes a Great FHA Lender

50+

Lenders Shopped

More options = lower rates. A broker finds the best deal across dozens of lenders.

Application Fees

Many lenders charge $300-$500 just to apply. Valley West charges nothing.

Days to Close

Fast closings win in competitive markets. National average is 44 days.

FHA Resources

Questions? Answered.

Ready to get started?

Bank vs Broker: The FHA Difference

What Makes a Great FHA Lender