Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on FHA loans
FHA HOME LOANS NEVADA
FHA loans help Nevada buyers get into homes with lower credit scores, flexible down payments, and rates that work. Whether you're in Henderson, Summerlin, or North Las Vegas—we'll guide you through every step.
3.5%
Min Down
580
Min Credit
100%
Gift Funds
2-4
Units OK
2025 FHA Nevada Limits
$498K–$572K
Clark: $498,257 | Washoe: $571,950
FHA loans are designed for Nevada homebuyers who need flexibility. Check these requirements to see if you're a good fit.
Low down payment and flexible credit requirements make homeownership accessible. Nevada buyers can combine FHA with down payment assistance programs.
100% of your down payment can come from family gifts. Parents, grandparents, and domestic partners can contribute to help you buy.
Buy a duplex, triplex, or fourplex with just 3.5% down. Live in one unit and rent the others to offset your mortgage payment.
Get pre-approved in 24 hours with our local Nevada underwriting team. Faster than national online lenders by 2-3 weeks.
Get pre-approved in 24 hours and start house hunting with confidence. No hard credit pull required to start.
UNDERSTANDING FHA
FHA loans are mortgages insured by the Federal Housing Administration, designed to help more Americans achieve homeownership with lower down payments and flexible credit requirements.
Purchase a Nevada home with just 3.5% down if you have a 580+ credit score, or 10% down with a 500-579 score.
FHA loans accept lower credit scores than conventional financing, making homeownership accessible to more Nevada buyers.
100% of your down payment can come from gift funds provided by family members, employers, or charitable organizations.
FHA allows debt-to-income ratios up to 50% with compensating factors, giving you more buying power.
Qualify 2 years after bankruptcy or 3 years after foreclosure (vs. 4-7 years for conventional loans).
Limits apply to single-family homes. 2-unit up to $637,950, 3-unit up to $771,125, 4-unit up to $958,350.
No jargon, no pressure—just a clear path to homeownership. Here's exactly what to expect from start to finish.
Answer a few quick questions about your situation. We'll show you what you qualify for—no credit check required to start.
Submit your documents and we'll get you pre-approved within 24 hours. You'll know exactly how much home you can afford.
Once you find your home, we handle the underwriting and paperwork. Close in 30-45 days and get your keys.
Average Timeline
Pre-approval in 24 hours • Full closing in 30-45 days • Faster than national online lenders
No credit check to start • Your info stays private • NMLS #65506
WHY CHOOSE FHA HOME LOANS
We've helped thousands of Nevada families achieve homeownership through FHA financing. Local expertise with personalized service.
Our team knows the Las Vegas, Reno, and Henderson markets inside and out. We understand Nevada-specific FHA requirements and local down payment assistance programs.
Get pre-approved in as little as 24 hours. We process FHA loans quickly so you can make competitive offers on Nevada homes with confidence.
We shop multiple FHA lenders to secure you the lowest rate and best terms. No application fee to get started - check your rate today.
Never bought a home before? We guide first-time buyers through every step of the FHA process - from pre-approval to closing and beyond.
You'll have a single point of contact throughout your FHA loan - not a call center. Direct access to your loan officer via phone, email, or text.
Rated 4.9/5 by Nevada homebuyers on Google. Read reviews from real FHA borrowers we've helped in Las Vegas, Reno, and Henderson.
We've closed over 5,000 FHA loans in Nevada since 2010. Our commitment to personalized service and local expertise has made us the go-to FHA lender for Las Vegas, Reno, and Henderson homebuyers.
"Anytime I had a question, the team responded right away. They made the entire process feel easy and stress-free from start to finish."
- Marcus, Verified Customer • Home Purchase
FHA LOAN TYPES
From purchasing your first home to refinancing for better rates, we offer comprehensive FHA loan solutions for Nevada homeowners.
Buy your primary residence in Nevada with low down payment and flexible credit requirements. Perfect for first-time buyers.
Refinance your existing FHA loan with minimal documentation and no appraisal required. Lower your rate and payment quickly.
Tap into your Nevada home's equity to pay off debt, fund renovations, or cover major expenses.
FREQUENTLY ASKED QUESTIONS
Get answers to common questions about FHA loans in Nevada from our mortgage experts.
Get pre-approved in 24 hours and start your path to Nevada homeownership.
FHA TOOLS & RESOURCES
Estimate your FHA loan payments, affordability, and costs with our Nevada-specific mortgage calculators.
Calculate your monthly FHA mortgage payment including principal, interest, MIP, taxes, and insurance.
Calculate paymentDetermine how much house you can afford with an FHA loan based on your income and debts.
Check affordabilityCalculate your FHA 3.5% down payment plus closing costs and total cash needed to close.
Plan your down paymentCalculate your debt-to-income ratio to see if you qualify for FHA's maximum 50% DTI allowance.
Calculate DTIInteractive checklist covering credit, savings, documents, and FHA pre-approval preparation steps.
View checklistSee potential savings from refinancing your existing FHA loan to a lower rate with FHA Streamline.
Calculate savingsGet pre-approved for an FHA loan in 24 hours. No obligation, just clarity on your homebuying power in Nevada.