A Mortgage Made for You

You can complete your application in 10-minutes or less! Free pre-approvals with no commitment, and no credit pull until you’re ready.

Limited Time Offer: Free Appraisals!

We’ll reimburse up to $800 of appraisal costs on your new home purchase.*


Our rates are always amongst the lowest available ensuring you are in the perfect position to drop your rate, lower your monthly payments, and eliminate additional fees.

young woman trying to pay bills while talking on the phone
woman and child playing in the light of the window


Purchasing a home is a huge milestone in your life. We help you throughout the entire process and never keep you waiting. Give us a call at 775.834.4579 or apply online at any time.

How much could you save?

$300,000, 30-year Fixed Mortgage6.25% APR** 7.75% APR** Savings
Monthly Payment: $1,477.72$1,719.39$241.67
Total Interest: $291,979.66$378,980.18 $870,00.52


  • Fixed-Rate Mortgages

  • VA Loans

  • Adjustable-Rate Mortgages

  • USDA Loans

  • FHA Loans

  • Refinances

Home Loan Rates

Last Updated: June 20, 2024, 8:10 am

Type Rate APR Conditions
Home Equity Lines of Credit Call for Current Rates Up to 240 Months Variable Rate Loan
Business Home Equity Line Of Credit Call for Current Rates Variable Rate Loan
First Mortgages 30 Year 6.625% 6.838% 30 Year Fixed Rate
First Mortgages 15 Year 5.875% 6.032% 15 Year Fixed Rate
Residential Lot Loans Call for Current Rates
We offer competitive, low rates and customizable terms that work with your unique situation.

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Many things in life can wait. Your home is not one of them.

From buying down the block to crossing state lines, our experts are here to help you get the job done.

After submitting your application, one of our mortgage experts will give a call within 24-hours (on business days) to follow-up on your submitted information. Our goal is to make funding your home as simple as possible.

Visit us at our main branch at  6100 Neil Road, Suite 150, Reno, NV.

Lending Specialist

Megan Mathias

Director of Lending

Allison Guldager

Lending Development Specialist

*Reported by Freddie Mac (fred.stlouisfed.org/series/MORTGAGE30US). Membership Eligibility Required. Credit terms and qualifications may apply. Federally insured by NCUA. Equal Housing Lender. NMLS# 439918.

Want more information? Send us a message on our contact page, or visit us at any of our branches.


Las Vegas


Main Branch (Or South Reno Branch)
6100 Neil Road
Suite 150
Las Vegas, NV Branch
5241 Spring Mountain Road
Phoenix, AZ Branch
1600 E. Northern Avenue
St. Mary’s Branch (Or Downtown Branch)
645 N. Arlington
Suite 300
Mill Street Branch
5580 Mill Street
Suite 700

*Appraisal value up to $800 will be credited after loan closure for qualifying new purchase loans. See CU for details.  **APR = Annual Percentage Rate. Rate and monthly payments are for illustration purposes only. †Payment example: borrower to pay $1,477.72 per $300,000 borrowed at 6.25% APR, monthly for a term of 30 years compared to $1,719.39 borrowed at 7.75% APR, monthly for a term of 30 years. Payments do not include escrow for taxes and insurance. The payment obligation may be greater if escrow applies. Individual rates and terms may vary based on down payment, Loan-to-Value, credit history and credit score. Credit eligibility and other criteria apply. For current rates, see credit union. Federally insured by NCUA. Equal Housing Lender. NMLS #439918.

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Sierra Pacific Federal Credit Union