Updated Daily - December 31, 2025

Current Nevada Mortgage Rates Today

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.

Last Updated: Today 9:00 AM PST
Based on: 740+ Credit Score

Today's Featured Rate

6.375%
30-Year Fixed VA Loan • 6.52% APR
  • Zero down payment required
  • No PMI - Save $200+/month
  • Competitive Nevada VA rates
Get This Rate

What Affects Your Nevada Mortgage Rate?

Multiple factors determine your final interest rate. Understanding these helps you secure the best possible terms.

Credit Score

Higher credit scores (740+) qualify for the best rates. Each 20-point drop can increase your rate by 0.25-0.50%.

760+Best Rate
700-759Good Rate
640-699Fair Rate
580-639Higher Rate

Down Payment

Larger down payments (20%+) typically secure lower rates and eliminate PMI requirements on conventional loans.

20%+ DownLowest Rate
10-19% DownGood Rate
5-9% DownHigher + PMI
3-4% DownHigher + PMI

Loan Type

VA loans often have the lowest rates (no PMI), followed by conventional, then FHA (includes MIP), then jumbo loans.

VA LoanLowest
ConventionalLow
FHA LoanModerate
JumboHigher

Loan Term

Shorter loan terms (15-year) have lower rates than 30-year mortgages but require higher monthly payments.

10-YearLowest Rate
15-YearLow Rate
20-YearMid Rate
30-YearHigher Rate

Property Type

Single-family primary residences get the best rates. Investment properties and condos typically have higher rates.

Primary HomeBest Rate
Second Home+0.25%
Condo+0.125%
Investment+0.50%

Nevada Location

Rates vary slightly by Nevada county. Clark County (Las Vegas) and Washoe County (Reno) typically have best availability.

Clark CountyBest Rates
Washoe CountyBest Rates
Carson CityGood Rates
Rural CountiesCompetitive

Get Your Personalized Rate Quote

Based on your unique situation, we'll find you the lowest rate available in Nevada. No obligation, just accurate numbers.

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Nevada Mortgage Rate Trends & Predictions

Expert analysis of current rate movements and what to expect in 2025

Recent Rate Movement

Q4 2024 Decline

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.

Early 2025 Stability

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 vs National

Nevada rates currently track 0.10-0.15% below national average due to competitive Las Vegas and Reno markets attracting multiple lenders.

2025 Rate Forecast

Q1 2025 Projection

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.

Mid-2025 Outlook

If inflation continues cooling, anticipate 0.25-0.50% decrease by summer, potentially bringing Nevada conventional rates into the high-5% range.

Year-End Target

Most economists predict 30-year rates settling around 5.75-6.00% by December 2025, assuming no major economic shocks or inflation spikes.

Key Factors Influencing Nevada Rates

  • Federal Reserve Policy: Fed funds rate directly impacts mortgage rates. Watch FOMC meetings for rate cut signals.
  • Inflation Data: CPI and PCE reports move markets. Lower inflation = lower rates. December CPI at 3.2% supports rate stability.
  • Employment Reports: Strong job market can keep rates elevated. Nevada unemployment at 5.1% suggests stable economy.
  • 10-Year Treasury: Mortgage rates track Treasury yields closely. Current 10-year at 4.25% supports current mortgage levels.
  • Nevada Housing Market: Strong Las Vegas and Reno demand keeps lender competition high, benefiting borrowers with better rates.

Expert Rate Strategy

1

Lock strategically: If buying soon and rate is acceptable, lock. Rates can rise quickly on economic news.

2

Consider float-down: Ask about float-down options if you expect rates to drop during your lock period.

3

Don't time the bottom: Waiting for the "perfect" rate often backfires. Focus on affordability and buying power.

4

Refinance later: Buy now if home works, refinance when rates drop further. You can always refi to lower payment.

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Calculate Savings

See how much a 0.25% or 0.50% rate drop would save you monthly and over the loan lifetime.

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Talk to an Expert

Discuss rate trends with a Nevada loan officer. Get personalized advice on timing your loan.

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Current Nevada Mortgage Rates

Compare today's rates for VA, FHA, conventional, and jumbo loans across Nevada

VA Loans

30-Year Fixed
6.375%
APR 6.52%
20-Year Fixed
6.125%
APR 6.28%
15-Year Fixed
5.750%
APR 5.91%
5/1 ARM
5.875%
APR 7.21%
0% Down No PMI Veterans Only
Get VA Rate Quote

FHA Loans

30-Year Fixed
6.500%
APR 7.28%
20-Year Fixed
6.250%
APR 6.98%
15-Year Fixed
5.875%
APR 6.41%
5/1 ARM
6.000%
APR 7.45%
3.5% Down MIP Required First-Timers
Get FHA Rate Quote

Conventional Loans

30-Year Fixed
6.625%
APR 6.79%
20-Year Fixed
6.375%
APR 6.52%
15-Year Fixed
6.000%
APR 6.15%
5/1 ARM
6.125%
APR 7.48%
3-20% Down PMI if <20% Best Credit
Get Conventional Rate

Jumbo Loans

30-Year Fixed
6.875%
APR 7.02%
20-Year Fixed
6.625%
APR 6.78%
15-Year Fixed
6.250%
APR 6.39%
7/6 ARM
6.375%
APR 7.62%
>$766,550 Luxury Homes 20% Down
Get Jumbo Rate Quote

Rate Assumptions & Disclaimers

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.