Last Updated: February 2, 2026
Vatche Saatdjian, expert on FHA loans — 30+ years of experience
Example rates for illustration purposes only. Rates shown are sample rates and assume excellent credit (740+ FICO), 20% down payment, primary residence, and may include discount points. Your actual rate will vary based on your credit profile, loan amount, down payment, property type, occupancy, and other underwriting factors. Not all borrowers will qualify for the rates shown. This is not an offer to lend. Contact us for a personalized rate quote based on your specific situation. All loans subject to credit approval. Valley West Mortgage NMLS #65506.
Nevada FHA rates updated daily. See your personalized rate—no credit check during initial inquiry, no obligation. Most first-time buyers qualify with 3.5% down.
Your actual rate depends on credit score, down payment, and loan amount. These "from" rates assume excellent credit (740+) and may include discount points. Most FHA buyers still qualify with 580-680 credit at slightly higher rates.
Soft inquiry available • Updated daily • NMLS #65506
Last updated: February 2, 2026 — Rates change frequently. Get your personalized rate.
Compare sample rates across different loan programs. Your actual rate depends on credit score, down payment, and property location.
The rates shown below are sample rates for informational purposes only and are subject to change without notice. These rates assume excellent credit (740+ FICO score), 20% down payment for conventional loans, 3.5% down for FHA, primary residence occupancy, and may include discount points.
Your actual rate will vary based on credit score, loan-to-value ratio, loan amount, property type, property location, occupancy status, debt-to-income ratio, and other underwriting factors. Not all borrowers will qualify for the rates shown. Contact Valley West Mortgage for a personalized rate quote. All loans subject to credit approval.
Government-backed • 3.5% down
From
6.875%
6.950% APR
30-year fixed estimate
$1,578/mo
Based on $250,000 loan
Veterans • $0 down • No PMI
From
6.625%
6.700% APR
30-year fixed estimate
$1,601/mo
Based on $250,000 loan
Traditional • 3-20% down
From
6.750%
6.825% APR
30-year fixed estimate
$1,621/mo
Based on $250,000 loan
High-value • $766,551+
From
7.000%
7.075% APR
30-year fixed estimate
$5,122/mo
Based on $800,000 loan
Rate Disclaimer: The rates shown above are sample rates for informational purposes only and are subject to change without notice. These rates assume excellent credit (740+ FICO score), 20% down payment for conventional loans, 3.5% down for FHA, primary residence occupancy, and may include discount points.
Your actual rate will vary based on credit score, loan-to-value ratio, loan amount, property type, property location, occupancy status, debt-to-income ratio, and other underwriting factors. Monthly payment estimates shown do not include property taxes, homeowners insurance, HOA dues, or mortgage insurance (where applicable). All loans are subject to credit approval, income verification, and property appraisal. Contact Valley West Mortgage for a personalized rate quote tailored to your specific financial situation. NMLS #65506. Equal Housing Lender.
Understanding these factors can help you secure the best possible rate on your Nevada home loan.
Higher credit scores (740+) typically qualify for the lowest rates. FHA loans accept scores as low as 580, while conventional loans prefer 620+.
Larger down payments (20%+) often result in lower rates and eliminate PMI on conventional loans. FHA requires 3.5% minimum, VA offers $0 down.
Loan type (FHA, VA, Conventional, Jumbo) and amount affect your rate. Jumbo loans above conforming limits typically have higher rates.
Primary residences get better rates than investment properties. Nevada property location and local market conditions also impact pricing.
Lower DTI ratios (under 43%) demonstrate stronger financial health and can qualify you for better rates.
Most popular option. Your interest rate stays the same for the entire loan term (15 or 30 years), providing payment stability and predictability.
Lower initial rate for a fixed period (5, 7, or 10 years), then adjusts annually. Best if you plan to sell or refinance before adjustment.
Lock your rate for 30-60 days while your loan is processed. This protects you from rate increases during closing.
Lock My Rate TodayGet a personalized rate quote in minutes. Our Nevada mortgage experts are ready to help you secure the best rate for your situation.