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Find the Best Mortgage Lenders in Las Vegas, NV

Purchasing a home is an unforgettable milestone and impressive accomplishment, but few people can afford such a significant purchase outright. Mortgage companies work with residents to finance houses and make homeownership a reality. We created this list of the best mortgage lenders in Las Vegas to help you get the advice and loan you need.

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    Top 12 Las Vegas Mortgage Companies

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    BOK Financial Mortgage
    Read 1,709 Reviews

    Offers conventional, jumbo, FHA, VA, USDA and Native American home loan programs plus mortgage refinancing. The Lock and Build program is available to finance new home construction. Direct mortgage lender.

    Mr. Cooper
    Read 9,125 Reviews

    Offers conventional, FHA, VA and jumbo home loans nationwide. Refinances homes with FHA Streamline and VA IRRRL (interest rate reduction refinance loan). Provides convenient app. No online payment fees. Non-bank mortgage servicer.

    ClearPath Lending
    Read 894 Reviews

    Offers FHA, VA, conventional and jumbo loans for purchase, plus mortgage refinancing options. Lets customers track loan progress via an online portal. Funds most loans within 30 days.

    Learn More Toll free number (855) 980-6844
    Vanderbilt Mortgage
    Read 1,942 Reviews

    Specializes in financing for new or used manufactured, modular and mobile homes. Provides conventional, land-home, FHA and biweekly advantage mortgages. Down payments start at 3.5% of the total purchase price.

    Learn More Toll free number (855) 976-1445
    AmeriSave Mortgage
    Read 2,845 Reviews

    Provides FHA, VA, USDA and jumbo purchase loans plus cash-out refinancing options. Gives accurate quotes within minutes. Prequalify and close in as little as 25 days. Direct mortgage lender.

    Toll free number (855) 794-5993
    Guild Mortgage Company
    Read 136 Reviews

    Offers conventional, FHA, USDA, VA and jumbo mortgage loans for purchase and refinancing options. Provides DPA programs, expanded (non-QM), short-term rental refinance and renovation loan programs.

    Alderus Mortgage Read Expert Review

    Offers homebuying or refinancing loans. Has options for those with below excellent credit. Home equity mortgages available. Provides a database of qualified mortgage advisors. Gives potential credits towards closing costs.

    On Q Financial Read Expert Review

    Handles loans for purchases or refinancing. Provides multiple loan options, including jumbo loans, VA, FHA, USDA, HUD, conventional and more. Offers payment calculators and educational resources.

    Red Rock Mortgage Read Expert Review

    Gives free quotes with no credit check. Provides mortgages for home purchases and refinancing. Offers FHA, VA, ARM, jumbo, state and local housing programs, home equity and conventional home loans. Fixed or adjustable rates.

    Security National Mortgage Company Las Vegas Read Expert Review

    Offers FHA, VA, jumbo, conventional, USDA, new construction, reverse mortgage and other loan programs. Assists with down payments. Provides funding for refinancing or new home purchases.

    Superior Mortgage Lending Read Expert Review

    Offers conventional, FHA, VA, jumbo and other loan options. Provides mortgages for home purchase, refinancing or commercial properties. Apply and check rates online.

    Valley West Mortgage Read Expert Review

    Offers FHA, VA or conventional loans for new home purchases or refinancing. Provides phone or secure online applications. Licensed in 19 states. Fixed or adjustable rates available. Publishes rates online.

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      Finding a Las Vegas mortgage company

      There are many mortgage lenders and brokers to choose from in Las Vegas, so you need to compare their offerings to decide which is right for you. Some essential steps when choosing a mortgage company include:

      • Read online reviews: This is a quick and simple way to gather an abundance of mortgage company information.
      • Speak with your friends, family and real estate agent: Asking trusted individuals about their experiences with mortgage providers is an excellent way to sift through your options.
      • Compare the types of loan products and mortgage rates: Since rates and products differ among companies, you could save thousands by comparing mortgage rates and loan products. Request free quotes from multiple mortgage lenders.

      Mortgage companies on our list provide excellent customer service and strive to ensure you fully understand the mortgage process. If you have questions about the lending process, don’t be afraid to speak with the company’s experts during this process.

      Finally, remember to confirm that your lender has a residential mortgage broker license in Nevada.

      Choosing a home loan in Las Vegas

      The most common mortgage loan in Las Vegas is a conventional 30-year fixed-rate loan, closely followed by a 15-year fixed-rate mortgage. However, loan terms always vary based on your income and the neighborhood you choose.

      • The Lakes is a more affordable Las Vegas neighborhood with good schools and plenty of dining and entertainment options. Homes in this area have a median cost of $335,900. Families and individuals with low- to moderate-income and credit scores below 619 should investigate FHA loans, which often have softer qualification requirements and lower down payments.
      • Residents of Summerlin North are among the wealthiest residents in the city, with average household incomes nearly 80% higher than the rest of Las Vegas. Homes in this area aren’t inaccessible, however, and have a median price of around $367,900. This neighborhood features beautiful parks, hiking trails, shopping centers and plenty of luxury homes. If you’re purchasing a high-value loan, you may need a nonconforming loan, such as a jumbo mortgage, which comes with strict requirements for approval.
      • North Las Vegas is a moderately priced neighborhood that primarily features single-family homes with a median price of $260,900. It’s close to the VA Southern Nevada Healthcare System. Veterans moving to the area can apply for VA loans to finance their home purchase with a $0 down payment option. This neighborhood is also conveniently located near shopping centers, parks, golf courses and other Las Vegas attractions.
      • Inspirada is a growing master-planned community of new homes in the Las Vegas area. Homes in Inspirada and other parts of the Henderson neighborhood have a median value of $326,400. Residents looking to build a home can apply for an FHA construction loan to finance the new build.

      To help calculate how much house you can afford, enter your annual income, down payment, mortgage rate and mortgage term into our mortgage calculator. This handy calculator gives you a price range for a mortgage you can comfortably pay on your budget.

      Las Vegas mortgage loan FAQ

      How do I get pre-approved for a mortgage in Las Vegas?
      Most companies don’t require a hard credit check for pre-approval. You can complete an application online or in person, after which the loan officer evaluates your case and determines if you’re a good candidate for a mortgage loan.
      What credit score do you need to get a mortgage in Las Vegas?
      For most loan options, you need a credit score of at least 620 to qualify. However, home loans in Las Vegas are still available for those with credit scores as low as 500. Ask mortgage lenders if they have options for those with bad credit scores. FHA loans usually have softer credit requirements, so this may be an option for you.
      Is buying property in Las Vegas a good investment?
      With property prices rising and unemployment falling, experts believe that investing in Las Vegas property may be a wise move. Furthermore, Las Vegas is a destination location with some of the lowest property taxes in the nation, which gives people a chance to purchase a short- or long-term rental property.

      Las Vegas mortgage company information

      Red Rock Mortgage

      Red Rock Mortgage is a mortgage broker based in Las Vegas that provides loans for home buyers and refinancers. Customers can compare loan options like FHA, VA, ARM and home equity loans as well as jumbo or conforming conventional loans. The broker also works with state and local housing programs. Get pre-qualified with no credit check to see your mortgage rates and options.

      • Address: 810 S. Durango Drive, Ste. 105, Las Vegas, NV 89145
      • Phone: (702) 320-9595
      • Hours: M - F: 9am - 5pm
      • Website: redrockmortgage.com
      Alderus Mortgage

      Alderus Mortgage is a full-service lender that provides loans and mortgage advice to clients from a variety of credit backgrounds. The company has loans available for homebuying or refinancing as well as home equity loans. Call or apply online for a free quote on mortgage rates. Alderus can sometimes arrange credits towards closing costs, but ask your mortgage advisor for more information.

      • Address: 3841 W. Charleston Blvd., Ste. 100, Las Vegas, NV 89102
      • Phone: (702) 255-5783
      • Hours: M - F: 8:30am - 5pm
      • Website: alderus.net
      Valley West Mortgage

      Valley West Mortgage is a team of mortgage brokers licensed in 19 states. The company offers loans for home purchasing or refinancing, with options that include FHA, VA or conventional mortgages. Valley West publishes rates on its website, and you can apply online or over the phone for a personalized quote.

      • Address: 9580 W. Sahara Ave., Ste. 200, Las Vegas, NV 89117
      • Phone: (702) 696-9900
      • Hours: M - F: 8:30am - 5:30pm
      • Website: valleywestmortgage.com
      Superior Mortgage Lending

      Superior Mortgage Lending is a broker that works with Las Vegas buyers and refinancers for commercial and residential properties. Apply online to see your mortgage rate and begin the lending process. The company offers FHA, VA, jumbo and conventional loans.

      • Address: 8867 W. Flamingo Road, Ste. 200, Las Vegas, NV 89147
      • Phone: (702) 507-4170
      • Hours: M - F: 9am - 5pm
      • Website: superiorml.com
      Security National Mortgage Company Las Vegas

      Security National Mortgage Company is a mortgage broker servicing a variety of mortgage needs in Las Vegas. They offer funding for refinanced or purchased homes, as well as new construction. Available loan options include FHA, VA, USDA, jumbo, conventional and home equity loans. Ask about their down payment assistance programs to save on closing costs.

      • Address: 1980 Festival Plaza Drive, Ste. 850, Las Vegas, NV 89135
      • Phone: (702) 562-8733
      • Hours: M - F: 8am - 6pm
      • Website: snmc.com
      On Q Financial

      On Q Financial is a direct mortgage lender that handles the full lending process. The company works with new home buyers and homeowners looking to refinance their existing home. It features a variety of loan options and works with jumbo and conforming properties. Check the lender's website for useful financial tools and educational resources.

      • Address: 10801 W. Charleston Blvd., Ste. 500, Las Vegas, NV 89135; Multiple locations
      • Phone: (702) 800-7921
      • Hours: M - F: 9am - 5pm
      • Website: onqfinancial.com
      by Sandi Pope ConsumerAffairs Research Team

      Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.