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Best Las Vegas Mortgage Lenders of 2019

Jan. 30, 2019
Finding the Right Mortgage, Mortgages
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Despite what out-of-towners might think, most of what happens in Las Vegas stays in Las Vegas because it’s a decent place to live. Locals know that beyond the four-mile, neon-lit Strip is an abundant selection of neighborhoods and rich amenities for everyday living — parks, trails, good schools, golf courses, shopping districts and more.

Whether you plan to buy, refinance or remodel, a wide array of mortgage companies in Las Vegas competes for your business. Choosing one should involve more than a roll of the dice.

NerdWallet researched national and local Las Vegas mortgage lenders to find some of the best for a variety of borrowers. The following list is a good place to start.

» MORE: 5 tips for finding the right mortgage lender

NerdWallet’s best Las Vegas mortgage lenders

These national companies do a lot of business in Las Vegas and are among our top-rated mortgage lenders.

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at Caliber Home

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers, veterans and those who may have credit challenges to overcome.

 

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at Guild Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers with a relatively high credit score who may need down payment assistance or help from a state housing agency.

 

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at LoanDepot

Min. credit score

620

Min. down payment

3.5%

Why we like it

Ideal for borrowers looking for a loan selection that nearly rivals banks. LoanDepot has affiliated locations nationwide and is well-rated for low customer complaint volume.

 

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at Navy Federal

National / regional

National

Min. down payment

0%

Why we like it

Ideal for military members and their families. Navy Federal Credit Union offers a wide range of mortgage products and low minimum loan amounts, and considers alternative credit data.

 

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at New American

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who need to be evaluated on the basis of nontraditional credit. New American Funding offers FHA and VA loans, works with down payment assistance programs, and seeks borrowers whose credit histories don't fit the mold of traditional banking.

 

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at Vylla

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers or credit-challenged borrowers who may have trouble qualifying for a mortgage.

 

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at Rocket Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for anyone who appreciates smartphone app service, support and time savings. A fully digital home loan experience with a large variety of mortgage products.

 

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at NerdWallet

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who are looking to apply for a mortgage and manage the process through online tools, whether buying or refinancing. Guaranteed Rate offers FHA, VA and USDA loans for borrowers who meet robust guidelines.

 

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at Flagstar Bank

National/regional

National

Max. loan to value

89%

Why we like it

Ideal for current Flagstar customers. Flagstar offers rate discounts for existing customers with high credit scores who withdraw at least $25,000 at closing.

 

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at Bank of America

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

» MORE: See more Nevada mortgage lenders

Local mortgage lenders in Las Vegas

Looking for more lenders to check out? The following companies haven’t been reviewed by NerdWallet, but they do a lot of business in Las Vegas, with top market share.

WestStar Credit Union

  • Membership is available to gaming industry employees and their families.
  • Top FHA mortgage lender in Las Vegas.
  • Has five Las Vegas-area locations.
  • Offers home equity line of credit up to 90% of home value.

All Western Mortgage

  • Helps borrowers compare rates and products from multiple lenders.
  • Provides online affordability, amortization, monthly payments and refinance calculators.
  • Offers an online short application to get a preapproval letter.

Finance of America

  • Has a full menu of loan products.
  • Offers FHA 203(k) loans for combining a home purchase or a refinance with repairs.
  • Offers “fix and flip” loans for investors.
  • Offers new construction loans.

Evergreen Home Loans

  • Has a full range of loan products, including jumbo loans.
  • Offers a one-time close loan for lot purchase and construction.
  • Offers FHA 203(k) home renovation loans.

Best Las Vegas mortgage lenders: Summary

More from NerdWallet:

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.