Current as low as Mortgage and Home Equity Rates
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FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 5.873% | 6.058% |
| Purchase | Fixed mortgage | 15 years | 5.373% | 5.665% |
| Refinance | Fixed mortgage | 30 years | 5.874% | 6.087% |
| Refinance | Fixed mortgage | 15 years | 5.374% | 5.722% |
| Refinance | Fixed mortgage | 10 years | 5.374% | 5.723% |
| Cash-out refinance | Fixed mortgage | 30 years | 5.998% | 6.174% |
| Cash-out refinance | Fixed mortgage | 10 years | 5.750% | 5.775% |
| Home equity | HELOC | Revolving | 6.050% | 6.050% |
| Home equity | Home equity loan | Fixed term | No publishable rate available today | — |
PARTICIPATING LENDERS
Compare NV Mortgage Refinance Offers
Lower Your Interest Rate in Nevada
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in Nevada
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in Nevada
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
Nevada Mortgage Rates
From the Las Vegas strip up to Lake Tahoe and out to the Hoover Dam, there are many reasons that you might be thinking about moving to Nevada. Before you begin the house-hunting process, let's take a look at the impact that mortgage rates and home values might have on the lifestyle you desire out in the desert.
Common Nevada Loan Types:
- Nevada conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
- Nevada FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
- Nevada VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Nevada Mortgage Rates
Mortgage pricing available in Nevada varies by loan type, lender, borrower profile, property, points, and market timing. Purchase, rate-and-term refinance, and cash-out refinance pricing should be compared separately because each purpose carries different assumptions.