Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on FHA loans

Clark County Home Loans & Mortgages

Serving all of Clark County, Nevada with FHA, VA, conventional, and jumbo home loans. From Las Vegas to Henderson to North Las Vegas and beyond—we finance homes across the entire county.

Nevada Licensed
NMLS #65506
Countywide Service

Clark County Cities & Communities We Serve

Clark County is Nevada's most populous county (2.2 million residents). We provide mortgage services throughout all incorporated cities, unincorporated towns, and master-planned communities countywide.

Las Vegas

Nevada's largest city with urban high-rises, suburban neighborhoods, and everything in between. Population 650K+

View Las Vegas Info

Henderson

Nevada's 3rd largest city, consistently ranked among America's safest. Master-planned living. Population 320K+

View Henderson Info

North Las Vegas

Growing city with affordable housing, new construction, and strong job growth. Population 280K+

View North Las Vegas Info

Boulder City

Unique historic town near Hoover Dam and Lake Mead. No casinos, small-town charm. Population 16K

Mesquite

Northeastern Clark County city known for golf courses, retirement communities, and proximity to Utah. Population 20K

Summerlin

Master-planned community in western Las Vegas with upscale neighborhoods, shopping, and Red Rock views

Enterprise

Unincorporated area south of Las Vegas with diverse neighborhoods and convenient Strip access

Paradise

Unincorporated area including Las Vegas Strip and surrounding neighborhoods. High-rise condos to single-family homes

Spring Valley

Unincorporated community in southwest Las Vegas Valley with established neighborhoods and shopping

Home Loan Programs for Clark County

Whether you're buying in Las Vegas, Henderson, North Las Vegas, or anywhere in Clark County, we offer flexible financing options for every situation.

FHA Loans

Low down payment option perfect for Clark County first-time buyers with flexible credit requirements.

  • 3.5% down payment minimum
  • Credit scores from 580
  • 2025 Clark County limit: $498,257
Learn More

VA Loans

Exclusive benefits for Clark County veterans and military families near Nellis AFB and Creech AFB.

  • 100% financing (no down payment)
  • No monthly mortgage insurance
  • Competitive interest rates
Learn More

Conventional Loans

Flexible financing for Clark County buyers with good credit who want lower costs and PMI removal options.

  • Down payments from 3%
  • Remove PMI at 80% LTV
  • 15 or 30-year terms
Learn More

Jumbo Loans

Financing for high-value Clark County properties in luxury communities like The Ridges, Seven Hills, and MacDonald Ranch.

  • Loans above $766,550
  • Luxury home financing
  • Competitive jumbo rates
Learn More

Clark County Market Overview

Clark County is Nevada's economic engine, home to Las Vegas and 75% of the state's population. Here's what you need to know about buying a home in the nation's fastest-growing metro area.

Clark County By The Numbers

Median Home Price

$475,000

+6.2% YoY

Population

2.2M+

75% of Nevada

Avg Days on Market

35 days

Competitive

Inventory Level

2.6 months

Seller's Market

Job Growth Rate

+3.8%

Among nation's fastest

Data as of January 2025. Market conditions vary by neighborhood and property type.

Why Clark County?

  • No State Income Tax: Save thousands annually compared to California, Oregon, or other high-tax states
  • Booming Economy: Gaming, tech, healthcare, logistics, and entertainment create diverse job market
  • Entertainment Capital: World-class dining, shows, sports, and nightlife at your doorstep
  • Outdoor Recreation: Red Rock Canyon, Lake Mead, Mt. Charleston skiing, and desert hiking nearby
  • Affordable Housing: Median price 40-50% lower than Los Angeles, San Diego, or Bay Area
  • Year-Round Sun: 310 days of sunshine, mild winters, and low humidity

Major Employers in Clark County

Gaming & Hospitality: MGM Resorts, Caesars, Wynn, Station Casinos

Healthcare: UMC, Dignity Health, Valley Health System

Government: Nellis AFB, Creech AFB, Clark County School District

Tech & Logistics: Amazon, Google, Switch, Zappos

Higher Ed: UNLV, Nevada State College, CSN

Calculate Your Payment

Estimate monthly payments for Clark County homes based on price, down payment, and loan type.

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Why Choose Valley West for Your Clark County Mortgage

Serving all of Clark County with local expertise, competitive rates, and personalized service that big banks can't match.

Countywide Coverage

We serve every Clark County city, town, and community from Las Vegas to Mesquite to Boulder City.

Local Relationships

Strong connections with Clark County real estate agents, title companies, and appraisers.

Fast Closings

Competitive timelines and efficient processing so you don't lose out in a competitive market.

Expert Guidance

Clear communication and personal attention throughout your entire home buying journey.

Clark County Mortgage FAQs

Common questions from Clark County homebuyers about financing and the local real estate market.

Ready to explore Clark County neighborhoods and financing options?

Talk to a Clark County Mortgage Expert

Ready to Buy in Clark County?

Get pre-approved today for homes in Las Vegas, Henderson, North Las Vegas, or anywhere in Clark County. Start your Nevada homeownership journey now.

NMLS #65506
Equal Housing Lender
Secure & Confidential