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Best Nevada Mortgage Lenders of 2019

Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

If you live in Nevada, two things are likely: You love living there — and you know how to pronounce the state’s name. If you’re looking to buy a home, refinance your mortgage or tap your home’s equity, you’ll want a lender that is knowledgeable about the state and can suit your needs.

Lenders may strive to be all-things-to-all-borrowers, but they typically have specialties. We’ve boiled down the best Nevada mortgage lenders in five in-demand categories for Silver State residents.

Best Nevada mortgage lenders for first-time home buyers

If you’re looking for help in cracking the code to homeownership, these Nevada lenders prioritize first-time buyers.

Guild Mortgage
4.0 NerdWallet rating
  • One of Nevada’s top five lenders, based on volume, in every category of government-backed loans, often essential to first-time buyers
  • Assists first-time buyers to locate state and municipal bond programs
  • Top-rated for customer satisfaction, according to J.D. Power
  • Guild Mortgage review
4.5 NerdWallet rating
  • Works with borrowers to find state and local down payment assistance programs
  • Doesn’t use an automated loan decision process, which may allow for more flexibility
  • Offers English/Spanish bilingual assistance, a definite plus for Nevada’s 28% Hispanic population
  • New American Funding review

Best Nevada mortgage lenders for home equity borrowers

Nevada home values have nearly doubled in recent years. These lenders can help you access your home’s newfound equity.

4.0 NerdWallet rating
  • Offers a quarter-point discount for HELOC payments drawn from Bank of America checking or savings accounts
  • No fees or closing costs on lines up to $1 million
  • Borrowers can convert an adjustable-rate HELOC to a fixed-rate loan
  • Bank of America mortgage review
3.0 NerdWallet rating
  • Offers flexible-withdrawal lines of credit as well as lump-sum home equity loans
  • Allows a discounted rate on a HELOC for the first six months
  • No upfront costs or fees on fixed-rate home equity loans
  • U.S. Bank mortgage review

Best Nevada mortgage lenders for borrowers with lower credit scores

These Nevada lenders are willing to work with borrowers who may have had a financial setback or two.

4.5 NerdWallet rating
  • Minimum required credit score of 500.
  • Caters to borrowers whom other lenders may consider risky
  • Free rate locks.
  • Vylla review
Guild Mortgage
4.0 NerdWallet rating
  • Considers alternative credit data such as utility bills and rental payment histories
  • The leading lender in Nevada for rural development loans, accounting for over a quarter of all USDA loans in the state
  • Paperless loan application and document upload
  • Guild Mortgage review

Best online mortgage lenders in Nevada

These lenders focus on online capabilities, allowing you to apply anytime and anywhere.

4.5 NerdWallet rating
  • The mobile app of Quicken Loans, the leading online home loan lender in Nevada
  • Loan approval takes just minutes
  • Much of the information required can be downloaded or is prepopulated
  • Rocket Mortgage review
4.5 NerdWallet rating
  • A fully online mortgage process
  • Shows your credit scores from the three primary credit bureaus
  • Users can securely upload and digitally sign loan documents
  • Guaranteed Rate review

Best Nevada mortgage lenders for refinancing

If you still have some room to improve your mortgage interest rate or want new loan terms, these lenders are among the best for Nevadans.

4.5 NerdWallet rating
  • Refinance once and never pay lender fees on subsequent refinances
  • Government-backed refinancing, such as VA, USDA and FHA mortgages, are all available
  • Has grown to be a top-five lender in Nevada, based on loan volume
  • LoanDepot review
4.5 NerdWallet rating
  • Many loans require a 620 credit score; typical borrower has FICO score just over 720
  • Offers live chat and Saturday customer service hours
  • A dedicated loan officer assists you through the loan application process
  • Flagstar Bank review

Best Nevada mortgage lenders: summary

» MORE: Best Las Vegas mortgage lenders

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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.