See current Nevada Refinance fixed rates (30 Year, 20, 15, 10, FHA, VA and Jumbo), variable rates (10 year, 7, 5, 3), Cash Out rates, plus comparisons with national averages and lender types. Refinancing in Nevada can help lower your monthly payment, shorten your loan term, or tap into equity with a cash-out refinance.
Nevada Refinance Rates –
Find community reported rates by Nevada homeowners (rates shown are average APRs).
| Credit Score | Satisfaction | |||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | ||
| Nationally | 7.65% | 7.70% | 7.75% | |
| Nevada | 7.76% | 7.81% | 7.86% | |
| Credit Unions | 7.36% | 7.41% | 7.56% | 8.7/10 |
| Online lenders | 7.46% | 7.51% | 7.66% | 8.3/10 |
| Banks | 7.76% | 7.81% | 7.86% | 7.7/10 |
| 30 year fixed | 7.76% | 7.81% | 7.86% | |
| 30 year fixed FHA | 6.50% | 6.55% | 6.60% | |
| 30 year fixed VA | 7.11% | 7.16% | 7.21% | |
| 30 year fixed Jumbo | 7.87% | 8.11% | 8.30% | |
| 20 year fixed | 7.80% | 7.85% | 7.90% | |
| 15 year fixed | 7.16% | 7.21% | 7.26% | |
| 10 year fixed | 6.35% | 6.40% | 6.45% | |
| 3 year ARM | 4.44% | 4.49% | 4.54% | |
| 5 year ARM | 7.34% | 7.40% | 7.45% | |
| 7 year ARM | 6.76% | 6.81% | 6.86% | |
| 10 year ARM | 7.66% | NaN% | NaN% | |
| Satisfaction | 8.5/10 | 7.9/10 | 7.4/10 |
Source: MFP’s Community Home Refinance Rates Survey of Nevada homeowners members in the last 30 days.
Cash Out Refinance Rates in Nevada –
Find community reported cash-out refinance rates by Nevada homeowners (rates are average APR).
| Credit Score | |||
|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | |
| Nationally | 7.77% | 7.90% | 8.02% |
| Nevada | 7.89% | 8.01% | 8.13% |
| Credit Unions | 7.49% | 7.61% | 7.83% |
| Online lenders | 7.59% | 7.71% | 7.93% |
| Banks | 7.89% | 8.01% | 8.13% |
| 30 year fixed | 7.89% | 8.01% | 8.13% |
| 30 year fixed FHA | 6.63% | 6.75% | 6.88% |
| 30 year fixed VA | 7.23% | 7.36% | 7.49% |
| 30 year fixed Jumbo | 8.00% | 8.12% | 8.25% |
| 20 year fixed | 7.92% | 8.04% | 8.17% |
| 15 year fixed | 7.29% | 7.41% | 7.54% |
| 10 year fixed | 6.48% | 6.60% | 6.73% |
| 3 year ARM | 4.57% | 4.69% | 4.81% |
| 5 year ARM | 7.47% | 7.60% | 7.72% |
| 7 year ARM | 6.89% | 7.01% | 7.14% |
| 10 year ARM | 7.79% | 7.91% | 8.04% |
Source: MFP’s Community Home Refinance Rates Survey of Nevada members in the last 30 days.
How Nevada Compares to National Averages
- Nevada refinance rates (7.76% for best credit scores) are slightly above national averages (national average: 7.65%).
- Credit unions are more competitive: In Nevada, credit unions offer 7.61%, banks 7.86%, online lenders 7.71%.
- Borrower satisfaction: Credit unions 8.7/10, Online lenders 8.4/10, Banks 8.1/10.
Refinance Options in Nevada
- 30-year Fixed: At 7.76% APR for excellent credit, Nevada's most popular choice for stable long-term payments with predictable monthly costs
- 30-year Fixed FHA: At 6.50% APR for excellent credit, government-backed programs with competitive terms and flexible qualification requirements
- 30-year Fixed VA: At 7.11% APR for excellent credit, exclusive to eligible veterans and military members, featuring Nevada's most competitive rates
- 30-year Fixed Jumbo: At 7.87% APR for excellent credit, for high-value homes with competitive jumbo mortgage terms
- 20-year Fixed: At 7.80% APR for excellent credit, a balanced option between shorter and longer terms with moderate payments
- 15-year Fixed: At 7.16% APR for excellent credit, lower interest rates but higher monthly payments, ideal for building equity faster
- 10-year Fixed: At 6.35% APR for excellent credit, the shortest fixed-term option with competitive rates for rapid equity building
- Adjustable-rate mortgages (ARMs): Various terms including 3-year (4.44% APR), 5-year (7.34% APR), 7-year (6.76% APR), and 10-year (7.66% APR) options that start lower but may adjust upward after initial fixed period
Metro Area Rates
| Metro / City | 30-Year Fixed APR | 15-Year Fixed APR |
|---|---|---|
| Las Vegas | 6.33% | 5.70% |
| Reno | 6.35% | 5.68% |
| Henderson | 6.34% | 5.69% |
| North Las Vegas | 6.36% | 5.71% |
| Sparks | 6.37% | 5.72% |
* APR Rates shown are for borrowers with the best credit scores. Click the city name to see community recommended lenders and ratings.
Compare Lenders Rated by Nevada Homeowners
Borrowers in Nevada report the highest satisfaction with credit unions, which consistently offer the most competitive rates and service. Online lenders follow closely, while banks perform slightly below average on borrower satisfaction.
See the Best Mortgage Refinance Lenders in Nevada
FAQs – Nevada Refinance Rates
Are refinance rates lower in Nevada than the U.S. average?
Nevada rates are lower than the national average 6.33% vs. 6.88% nationally for top credit borrowers.
What’s the best credit score for refinancing in Nevada?
Borrowers with 720+ credit scores typically secure the best rates, averaging 6.33% for 30-year fixed loans.
Which lenders have the highest satisfaction in Nevada?
Credit unions lead at 8.8/10, online lenders follow at 8.3/10, and banks are at 8.2/10 according to Nevada homeowners’ reports.
More Info for Nevada Homeowners:
Calculators & Tools
Home Equity Loan Calculator: See what you can borrow and what the draw period looks like.
HELOC Calculator: Estimate monthly payments on a fixed equity loan.
Loans Comparison Calculator: Compare Cost of Heloc, Cash-Out, Home Equity, Renovation Loan
Lenders & Loan Programs
Nevada Best Refinance Lenders: from Community Recommendations Survey
Documents: Documents needed to refinance.
Nevada Home Equity Loan & Nevada HELOC Rates
Insurance & Homeowner Resources
Nevada Best Home Insurance: from Community recommendations & Local Costs