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Fast and Easy Home Lending for All of Nevada

30-year fixed rate loans as low as 6.158% APR1

Greater Nevada Mortgage is here to help you meet your goals—like buying your first or next home, refinancing your loan, tapping into home equity, and purchasing land in the Silver State. We can help you explore all possible down payment assistance options available2, and we also prioritize speed for clients, with an average turnaround of only 20 days from application completion to ready-to-close for purchase loans!3

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Conventional Loan

  • See our current rate

  • Minimum credit score required is 620

  • 3% minimum down payment

  • Gift funds allowed for down payment and closing fees

  • Home Ready available

  • Properties allowed:

    • Single-family, 1 - 4 units

    • Manufactured and condominiums

  • Insurance is required when the down payment is less than 20% (Financed Single Premium or Monthly Private Mortgage)

  • Refinance opportunities are available

  • Down payment assistance options are available2

VA Loan

  • See our current rate

  • Minimum credit score required is 600

  • 0% minimum down payment

  • Gift funds allowed for closing fees

  • Financed funding fee (percentage can vary)

  • Properties allowed:

    • Single-family, 1 - 4 units

    • Condominiums, manufactured (can be moved one time)

  • Refinance opportunities are available

  • Down payment assistance options are available2

More Than Mortgages, We Help Build Futures

Young-Couple-Moving-Boxes-Circle-1080x1080

Smart loans. Straight answers. Check our current low rates to see how we measure up with no pressure, just possibilities.

FHA Loan

  • See our current rate

  • Minimum credit score required is 600

  • 3.5% minimum down payment

  • Gift funds allowed for down payment and closing fees

  • Up front and monthly mortgage insurance required

  • Properties allowed:

    • Single-family, 1 - 4 units

    • Approved manufactured & condominiums

  • Refinance opportunities are available

  • Down payment assistance options are available2

USDA Loan

  • See our current rate

  • Minimum credit score required is 600

  • 0% minimum down payment

  • Gift funds allowed for closing fees

  • Annual fee and guarantee fee required

  • Properties allowed:

  • Refinance opportunities are available

  • Down payment assistance options are available2

More Than Mortgages, We Help Build Futures

Young-Couple-Moving-Boxes-Circle-1080x1080

Smart loans. Straight answers. Check our current low rates to see how we measure up with no pressure, just possibilities.

Conventional Loan

  • See our current rate

  • Minimum credit score required is 620

  • 3% minimum down payment

  • Gift funds allowed for down payment and closing fees

  • Home Ready available

  • Properties allowed:

    • Single-family, 1 - 4 units

    • Manufactured and condominiums

  • Insurance is required when the down payment is less than 20% (Financed Single Premium or Monthly Private Mortgage)

  • Refinance opportunities are available

  • Down payment assistance options are available1

VA Loan

  • See our current rate

  • Minimum credit score required is 600

  • 0% minimum down payment

  • Gift funds allowed for closing fees

  • Financed funding fee (percentage can vary)

  • Properties allowed:

    • Single-family, 1 - 4 units

    • Condominiums, manufactured (can be moved one time)

  • Refinance opportunities are available

  • Down payment assistance options are available1

FHA Loan

  • See our current rate

  • Minimum credit score required is 600

  • 3.5% minimum down payment

  • Gift funds allowed for down payment and closing fees

  • Up front and monthly mortgage insurance required

  • Properties allowed:

    • Single-family, 1 - 4 units

    • Approved manufactured & condominiums

  • Refinance opportunities are available

  • Down payment assistance options are available1

USDA Loan

  • See our current rate

  • Minimum credit score required is 600

  • 0% minimum down payment

  • Gift funds allowed for closing fees

  • Annual fee and guarantee fee required

  • Properties allowed:

  • Refinance opportunities are available

  • Down payment assistance options are available1

Make a Smarter Move

  • Credit for Community Heroes

    Whether you’re on the front lines or providing crucial support, Greater Nevada’s Community Heroes program recognizes those working in Education, First Response, Law Enforcement, Healthcare, and the Military. Receive an exclusive appraisal credit of up to $750 on your new mortgage with us.4

  • Keys to Greater

    Join us to help end homelessness in Nevada through our Keys to Greater program. With every new mortgage or refinance, a portion of the revenue is donated to nonprofit organizations that address homelessness in our communities.

  • Buydown Program

    Save money early on with our 2-1 Buydown Program. When agreed upon with the seller, this special mortgage program can lower your interest rate by a full 2.00% for the first year, then by 1.00% for the second year. After that, the contracted fixed interest rate goes into effect.

  • Tap Into Home Equity or Refinance and Save

    Get cash for home improvements, debt consolidation, and more with a Home Equity Line of Credit (HELOC), or take advantage of competitive rates and the opportunity to take cash out by refinancing.

Get Inspired by Real GNM Clients

Greater Nevada Mortgage takes care of their customers in a very professional and timely matter.

– Sanjay B.

Very simple, very cooperative, just overall, a pleasant experience… and that’s NOT always true of getting a home loan!

– David G.

Great service, knowledgeable, courteous, proficient, and understanding, plus great rates.

– Mary L.

Get Started by Applying Online Now

Or send us a message to discuss your needs.

1 Annual Percentage Rate (APR) is based on a loan amount of $450,000 at 80% loan-to-value with a credit score of 700 for conforming loans. Rates and fees are subject to change without notice. Membership with Greater Nevada Credit Union is required prior to loan funding, which is open to anyone living or working in any of Nevada’s 17 counties and members of their immediate family.

2 For qualified borrowers. Not all applicants will qualify. Additional terms and conditions apply. Greater Nevada Mortgage is neither affiliated with nor endorsed by Nevada Rural Housing, Nevada Housing Division, or Federal Home Loan Bank of San Francisco.

3 The average purchase loan turnaround time is based on application completion to final approval, with all required conditions and guidelines being met and awaiting the Close of Escrow date, for October 2025. This is not a guaranteed timeframe for all loan applications. Each loan transaction is different, and individual turnaround times will vary.

4 An appraisal fee discount of up to a maximum of $750 (or actual cost of appraisal if less) on a first mortgage transaction will be credited to the borrower at the close of escrow. Costs imposed by other third parties, such as Escrow, Title Insurance, and Recording Fees, will not be discounted.

© 2025 Greater Nevada Mortgage
451 Eagle Station Ln, Carson City, NV 89701
775-888-6999 | 800-526-6999
Equal Housing Lender | Mortgage Bankers Association Member | NMLS ID: 279738 | CA ID: 41DBO-61467 |  Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

Privacy Policy | Terms of Service

Greater Nevada Mortgage is a subsidiary of Greater Nevada Credit Union (GNCU). APR = Annual Percentage Rate. APR is the cost of borrowing money, expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. Rates and terms are subject to change without notice. Rates are for illustrative purposes only and assume a borrower with a credit score of 700 or higher, which may be higher or lower than your credit score. Adjustable Rate Mortgage (ARM) loans are subject to interest rate, APR, and payment increase after each change period. For instance, a 5/5 ARM means that you will pay a fixed rate for the first five years of the loan, and then your rate is subject to change once every five years after that through the remainder of the loan. Interest rates and APRs are based on current market rates and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score, and other variables. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. The estimated total closing costs in these rate scenarios are not a substitute for a Loan Estimate, which includes an estimate of closing costs, which you will receive once you apply for a loan. Actual fees, costs, and monthly payments on your specific loan transaction may vary and may include city, county, or other additional fees and costs. Not all loan options are available in every state. The borrower is responsible for any property taxes as a condition of the loan. Membership with GNCU is required for select loan options. This is not a credit decision or a commitment to lend. Contact a Mortgage Consultant to learn the details of loan options and programs available. You may contact one directly or call Greater Nevada Mortgage at 775-888-6999 or 800-526-6999. We do business in accordance with the Federal Fair Housing Act, Federal Equal Credit Opportunity Act, and California Fair Employment and Housing Act.