Nevada mortgage and refinance rates for July 2026

Written by

Andrew Dehan

Edited by

Alice Holbrook,

Reviewed by

Thomas Brock, CFA, CPA,

Expert verified

Updated on July 03, 2026

On Friday, July 03, 2026, the national average 30-year fixed mortgage APR is 6.61%. The national average 30-year fixed refinance APR is 6.79%, according to Bankrate's latest survey of the nation's largest mortgage lenders.

Personalize your search

Mortgage type

Purchase

Refinance

ZIP code

Don't be like the 90% of buyers who overpay

Every year, American homeowners pay an average of $3,656 more than they need to. Compare rates today to get your best available rate and avoid overpaying.

Nevada mortgage and refinance rates today

Showing results for: Single-family home, 30 year fixed and 5 year ARM mortgages with all points options.

For live offers, represented by the solid button on each, we earn a fixed fee if you connect with the lender.

Sort by

Sunnyhillfinancial 30 Year Fixed

NMLS #1708856

Rate as of 7/3/26: 5.750%
APR: 5.913%
Points: 1.75
Monthly payment: $1,401
Upfront costs: $4,2008 year cost: $108,203
Customer score

Farmers Bank and Trust 30 Year Fixed

NMLS #613839

Rate as of 7/3/26: 5.875%
APR: 6.086%
Points: 1.668
Monthly payment: $1,424
Upfront costs: $4,7988 year cost: $111,193
Customer score

The Central Trust Bank 30 Year Fixed

NMLS #407985

Rate as of 7/3/26: 5.875%
APR: 6.139%
Points: 1.966
Monthly payment: $1,420
Upfront costs: $6,7088 year cost: $113,103
Customer score

Alliant Credit Union 30 Year Fixed

NMLS #197185

Rate as of 7/3/26: 6.000%
APR: 6.201%
Points: 1.724
Monthly payment: $1,439
Upfront costs: $5,0888 year cost: $113,878
Customer score

Sage Home Loans 30 Year Fixed

NMLS #3304

Rate as of 7/3/26: 6.000%
APR: 6.214%
Points: 1.63
Monthly payment: $1,439
Upfront costs: $5,4068 year cost: $114,196
Customer score

First Federal Bank 30 Year Fixed

NMLS #408902

Rate as of 7/3/26: 6.125%
APR: 6.348%
Points: 1.829
Monthly payment: $1,459
Upfront costs: $5,5848 year cost: $116,773
Customer score

Mutual of Omaha Mortgage 30 Year Fixed

NMLS # 1025894

Rate as of 7/3/26: 6.250%
APR: 6.526%
Points: 1.918
Monthly payment: $1,478
Upfront costs: $6,8418 year cost: $120,432
Customer score

New American Funding 30 Year Fixed

NMLS #6606

Rate as of 7/3/26: 6.375%
APR: 6.644%
Points: 1.735
Monthly payment: $1,498
Upfront costs: $6,6648 year cost: $122,133
Customer score

Sunnyhillfinancial 5/6 Arm

NMLS #1708856

Rate as of 7/3/26: 5.375%
APR: 6.160%
Points: 1.954
Monthly payment: $1,344
Upfront costs: $4,6908 year cost: $115,698
Customer score

Farmers Bank and Trust 5/6 Arm

NMLS #613839

Rate as of 7/3/26: 5.750%
APR: 6.508%
Points: 1.827
Monthly payment: $1,404
Upfront costs: $5,1798 year cost: $122,623
Customer score

First Federal Bank 5/6 Arm

NMLS #408902

Rate as of 7/3/26: 6.250%
APR: 6.556%
Points: 1.881
Monthly payment: $1,478
Upfront costs: $5,7098 year cost: $127,790
Customer score

Showing 11 of 11

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $832,750 May Have Different Loan Terms: If you are seeking a loan for more than $832,750, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.

How Bankrate works

How Bankrate works

Get lender information

Bankrate uses a careful methodology to select the top mortgage lenders. You can compare the main features and pros and cons easily.

Compare personalized rates

Click "Next" and fill out some information to see what loans you may be qualified for.

Get matched with lenders

Bankrate will show you which lenders you match with. You can choose one and apply if you are qualified.

On This Page

Current mortgage rates in Nevada

As of Friday, July 03, 2026, current interest rates in Nevada are 6.25% for a 30-year fixed mortgage and 5.63% for a 15-year fixed mortgage.

During 2025, mortgage rates spiked above 7% but have since dwindled. Bankrate's financial analyst Stephen Kates joins Fannie Mae and the Mortgage Bankers' Association in predicting that 30-year mortgage rates will move below 6% in 2026 — though that may be closer to the end of the year.

Learn more: Latest mortgage rate forecast

Refinance rates in Nevada

Nevada refinance rates — and refinance rates nationally — are much higher than the historic lows seen during the pandemic. However, those who obtained a mortgage when rates peaked near 8% in 2023 might save some money by refinancing now.

Keep an eye on the market throughout the year, and if you are able to qualify for a rate lower than your current mortgage, this may be the right time to refinance. As of Friday, July 03, 2026, current refinance interest rates in Nevada are 0.00%for a 30-year fixed mortgage and 0.00% for a 15-year fixed mortgage.

Learn more: Mortgage refinance: What is it and how does it work?

Nevada mortgage rates by loan type

As you compare your options for the right mortgage to finance your home purchase, Bankrate’s data can help you see how any lender offers you receive stack up against national averages.

Product	Interest rate
30-Year Fixed Rate	6.25%
15-Year Fixed Rate	5.63%
15-Year Fixed Rate Jumbo	0.00%
30-Year Fixed Rate FHA Loan	0.00%
30-Year Fixed Rate VA Loan	0.00%
30-Year Fixed Rate Jumbo	0.00%
3/1 Adjustable Rate Mortgage	0.00%
7/1 Adjustable Rate Mortgage	0.00%

_{Rates as of Friday, July 03, 2026 at 6:30 AM}

Bankrate’s mortgage rates include national rate and APR averages; Bankrate Monitor (BRM) National Index rate averages; and “top offers”:
- National rate and APR averages: Displayed as daily and weekly averages, these rates and APRs are primarily collected from the five largest banks and thrifts across hundreds of markets in the U.S.
- Bankrate Monitor (BRM) National Index rate averages: Reported weekly, this long-standing survey collects rates from banks and thrifts across hundreds of markets in the U.S.
- “Top offers”: Displayed daily and weekly, these are an average of the rates listed first on our rate tables as advertised by our partners. The averages shown are based on the loan type and term selected.
You can compare national average mortgage rates to top offers to see how much you could save when shopping on Bankrate.

Learn more about how we collect, display and report mortgage rates.

Mortgage options in Nevada

If you'll need to finance your home purchase in Nevada, here are some common mortgage types to consider:

To qualify for a conventional mortgage, you’ll need a minimum credit score of 620 and a debt-to-income (DTI) ratio of no more than 45%. With a down payment of less than 20%, you’ll need to pay private mortgage insurance (PMI) as well.
If your credit history disqualifies you from a conventional mortgage, you might be able to obtain an FHA loan insured by the Federal Housing Administration (FHA). If you have a credit score of at least 580, you could qualify for a down payment of as little as 3.5%.
If you’re a veteran or active-duty member of the military, you might qualify for a mortgage guaranteed by the Department of Veterans Affairs (VA). A VA loan doesn’t typically require a down payment or mortgage insurance, but you do need to pay a funding fee, which ranges from 1.25% to 3.3% of the loan amount for a home purchase.
If you’re buying a rural property in Nevada, you might be eligible for a mortgage guaranteed by the U.S. Department of Agriculture (USDA). USDA loans don’t require a down payment, but you’ll need to purchase in a designated rural area and meet the area’s income limits.
Jumbo mortgages are home loans in amounts higher than FHFA borrowing limits. These loans are more common in higher-cost areas.

Learn more: 5 types of mortgage loans for homebuyers

First-time homebuyer programs in Nevada

The Nevada Housing Division (NHD) administers several programs to help low- and moderate-income buyers purchase homes. For first-time buyers, the main program is Home Is Possible for First-Time Homebuyers, which provides a 30-year fixed-rate loan of up to 4% of the mortgage to use for a down payment or closing costs. You'll need a minimum 640 credit score to qualify and must take a homebuyer education course. You must also have a DTI ratio of no more than 50%.

NHD also offers the income-restricted Home First program, which provides up to $15,000 in down payment assistance as a 30-year fixed-rate loan. However, unlike the Home is Possible program, this loan is forgivable after three years if you remain in the home. The home's purchase price is capped at $570,000, and homebuyers must have a minimum credit score of 640 and a minimum of 6 months' residency in Nevada. They must also take a homebuyer education course.

Learn more: Nevada first-time homebuyer assistance programs

How to find the best mortgage rate in Nevada

When shopping for a mortgage, be sure to compare several different lenders — research shows this exercise can save you thousands of dollars over the life of a loan. It’s also helpful to read lender reviews for your state.

Step 1: Strengthen your credit score

Review your credit report and take steps to improve your score before applying with a lender.
Step 2: Determine your budget

Know how much house you can afford before you start shopping.
Step 3: Know your mortgage options

There are a few different types of mortgages.
Step 4: Compare rates and terms from several lenders

Compare offers from at least three different lenders. Consider their different rates, terms and upfront fees.
Step 5: Get preapproved for a mortgage

Getting a mortgage preapproval is the only way to get accurate loan pricing for your situation. When it’s time to put an offer in on a home, the seller will know you’re serious if you’re preapproved.

Learn more: How to get a mortgage

Additional Nevada mortgage resources

Nevada loan limits by county

Learn the conforming loan limit for your city or town.

Nevada mortgage lenders

Explore mortgage lenders in your state.

Written by

Andrew Dehan Andrew Dehan

Former Senior Writer, Home Lending

Nevada mortgage and refinance rates for July 2026

Don't be like the 90% of buyers who overpay

Nevada mortgage and refinance rates today

How Bankrate works

How Bankrate works

Get lender information

Compare personalized rates

Get matched with lenders

Current mortgage rates in Nevada

Refinance rates in Nevada

Nevada mortgage rates by loan type

How Bankrate collects mortgage rates

Mortgage options in Nevada

Nevada conventional mortgages

Nevada FHA loans

Nevada VA loans

Nevada USDA loans

Nevada jumbo loans

First-time homebuyer programs in Nevada

How to find the best mortgage rate in Nevada

Step 1: Strengthen your credit score

Step 2: Determine your budget

Step 3: Know your mortgage options

Step 4: Compare rates and terms from several lenders

Step 5: Get preapproved for a mortgage

Additional Nevada mortgage resources

Mortgage rates in other states