Select your Scenario
Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 7.061%APR 7.103% | 0 pts$0 | $835/moP&I $835 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.080%APR 6.855% | 0 pts$0 | $825/moP&I $767 · MI $58 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.308%APR 6.369% | 0 pts$0 | $773/moP&I $773 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.958%APR 7.007% | 0 pts$0 | $826/moP&I $826 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.697% | 0 pts$0 | $883/moP&I $883 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 6.308% | 6.369% | 0 pts ($0) | $1,073/mo | $22,131 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.507% | 6.582% | 0 pts ($0) | $1,359/mo | $31,604 |
Condo 10% Down | 10% | 720 credit score | 7.275% | 7.451% | 0 pts ($0) | $959/mo | $33,752 |
Conventional 10% Down | 10% | 720 credit score | 6.853% | 7.018% | 0 pts ($0) | $920/mo | $31,967 |
Conventional 20% Down | 20% | 740 credit score | 7.061% | 7.103% | 0 pts ($0) | $835/mo | $26,017 |
Conventional 5% Down | 5% | 700 credit score | 7.251% | 7.743% | 0 pts ($0) | $1,010/mo | $35,520 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.498% | 7.543% | 0 pts ($0) | $1,090/mo | $37,615 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $923/mo | $31,256 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.857% | 7.238% | 0 pts ($0) | $992/mo | $35,832 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.958% | 7.007% | 0 pts ($0) | $1,033/mo | $35,077 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,286/mo | $30,670 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.080% | 6.855% | 0 pts ($0) | $926/mo | $32,569 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $944/mo | $33,064 |
FHA Streamline Refi | 0% | 640 credit score | 6.275% | 7.053% | 0 pts ($0) | $979/mo | $34,680 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.188% | 7.440% | 0 pts ($0) | $1,004/mo | $36,571 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $975/mo | $19,095 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.697% | 0 pts ($0) | $828/mo | $26,380 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $840/mo | $26,257 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $906/mo | $27,793 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.443% | 7.224% | 0 pts ($0) | $962/mo | $34,240 |
Second Home 10% Down | 10% | 720 credit score | 6.090% | 6.670% | 0 pts ($0) | $849/mo | $28,745 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $820/mo | $25,351 |
VA 0% Down | 0% | 700 credit score | 6.092% | 6.340% | 0 pts ($0) | $964/mo | $31,926 |
VA Cash-Out Refi | 0% | 640 credit score | 6.105% | 6.479% | 0 pts ($0) | $965/mo | $31,988 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.115% | 6.272% | 0 pts ($0) | $967/mo | $32,036 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $858/mo | $27,137 |
Frequently Asked Questions
What are today's mortgage rates in Cal-Nev-Ari, NV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Cal-Nev-Ari, NV is 7.061% (with an estimated monthly payment of $1,369). Active program rates also include FHA 30-year fixed loans at 6.080% and VA 0%-down fixed loans at 6.092%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Cal-Nev-Ari, NV?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in Cal-Nev-Ari, NV have fluctuated between a low of 6.940% and a high of 7.202%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in Cal-Nev-Ari, NV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $155,887 in Cal-Nev-Ari, NV, a standard 20%-down Conventional loan requires an upfront cash down payment of $31,177 but keeps your monthly payment lower at $1,369/mo (at 7.061% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,456 (3.5% down) but has an estimated payment of $1,517/mo (at 6.080% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $150,431 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Cal-Nev-Ari before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Cal-Nev-Ari is $806,501. With a typical local home value of $155,887 in , a standard 20%-down mortgage requires a loan size of $124,710. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in Cal-Nev-Ari, NV impact estimated mortgage payments?
The median home value in Cal-Nev-Ari, NV is estimated at $155,887. Buying a typical home here with a standard 20% down payment ($31,177) translates to an estimated starting monthly mortgage payment of $1,369 (principal and interest). Compared to the local area median household income of $45,909 ($3,826/mo), this basic housing payment represents approximately 35.8% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.