FHA Loans in Las Vegas

Flexible Mortgage Solutions for First-Time and Low-to-Moderate Income Homebuyers

Looking to buy a home in Las Vegas with a low down payment and flexible credit requirements? FHA loans—insured by the Federal Housing Administration—are a powerful solution for first-time buyers or borrowers with less-than-perfect credit. These government-backed mortgages offer more lenient qualification guidelines than conventional loans, helping make homeownership more accessible across Nevada.

Not sure whether an FHA or conventional loan is right for you? Read our full comparison here.

FHA Loan Highlights

FHA loans are widely used by first-time homebuyers and people with low-to-moderate incomes since this government-insured mortgage features:

Low Down Payment Options – As low as 3.5% down with qualifying credit

Flexible Credit Guidelines – May be available for credit scores as low as 580

Fixed- and adjustable-rate mortgages

Variety of Property Types – Loans available for 1-4 unit homes and approved condos

Gifted Down Payments Allowed – Funds can come from a family member or employer * Subject to underwriting review and approval.

Seller Contributions – Sellers can contribute up to 6% of closing costs

Learn more about how to qualify for a home loan in Las Vegas with a low credit score.

FHA Loan Programs

Adjustable-Rate Mortgage (ARM)

FHA ARMs offer lower initial interest rates that adjust over time based on the market. Ideal if you’re planning to move or refinance in a few years.

Explore the pros and cons of ARMs here.

Fixed-Rate Mortgage

Lock in a steady monthly payment with a 15-, 20-, or 30-year term. Great for buyers who plan to stay in their home long-term and want predictable budgeting.

FHA Streamlined Refinance

Already have an FHA loan? Reduce your rate and monthly payments with minimal paperwork and no home appraisal in many cases. A smart choice if you want to switch from an ARM to a fixed-rate loan or just lower your monthly expenses.

Check out the latest FHA loan changes in 2025 and how they affect homebuyers.

Who Qualifies for an FHA Loan?

Minimum credit score of 580 (with 3.5% down)
Stable employment history
Debt-to-income ratio within FHA guidelines
Property must meet FHA appraisal standards

Not sure if you qualify? Contact our Las Vegas FHA loan specialists to walk through your options or get pre-approved today.