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Mortgage Loan Originator

Angela Nelson

Mortgage Loan Originator

NMLS# 502296

702-251-1735

Reviews on Zillow

Connect with Angela

  • angela.nelson6@usbank.com

  • 702-251-1735
  • 702-556-0426
  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a Mortgage Loan Originator right here in Las Vegas, I work with you to help you find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Las Vegas with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 702-251-1735.

Service areas include

  • Henderson, NV
  • Kalispell, MT
  • Bigfork, MT
  • Whitefish, MT

Primary location

6795 S Agilysys Way
Las Vegas, NV 89113

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Connect with Angela

  • Email angela.nelson6@usbank.com
  • 702-251-1735

  • 702-556-0426

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Mortgage rates

Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers

Reviews

See what customers are saying about me.

Read my reviews

Mortgage FAQ

Get answers to common home-buying questions.

Commonly asked questions

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Today's mortgage rates in Nevada.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .


See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages

30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conforming adjustable-rate mortgages

10/6 mo
7/6 mo

Jumbo adjustable-rate mortgages

10/1 yr
7/1 yr
5/1 yr

FHA mortgages

30-year fixed - FHA

VA mortgages

30-year fixed - VA

Jumbo mortgages

30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Angela Nelson

Mortgage Loan Originator

NMLS# 502296

702-251-1735

  • angela.nelson6@usbank.com
  • 702-251-1735

  • 702-556-0426

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today's refinance rates in Nevada.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .


See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conforming adjustable-rate refinance loans

10/6 mo
7/6 mo

Jumbo adjustable-rate refinance loans

10/1 Jumbo
7/1 Jumbo
5/1 Jumbo

FHA refinance loans

30-year fixed - FHA

VA refinance loans

30-year fixed - VA

Jumbo refinance loans

30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Angela Nelson

Mortgage Loan Originator

NMLS# 502296

702-251-1735

  • angela.nelson6@usbank.com
  • 702-251-1735

  • 702-556-0426

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Angela Nelson

Mortgage Loan Originator

NMLS# 502296

702-251-1735

  • angela.nelson6@usbank.com
  • 702-251-1735

  • 702-556-0426

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Angela Nelson

Mortgage Loan Originator

NMLS# 502296

702-251-1735

  • angela.nelson6@usbank.com
  • 702-251-1735

  • 702-556-0426

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQ

Get answers to your questions regarding home financing, refinancing and more.

Vacation home buyers


The process of buying a vacation home is similar to buying a primary residence. However, the credit, down payment and cash reserve requirements may vary since they represent an added risk to the lender. To learn more about how to buy a vacation home, contact your mortgage loan officer.


You should think about how you’ll use the home and how often you’ll use it. You should also keep in mind the cost and location of the home.


Decide which factors are most important to you, whether it be a particular climate, the distance to the activities you enjoy or proximity to nearby towns and major cities. Answering these questions will help you narrow down your options and find the best fit for your lifestyle.

Condo buyers


Before buying a condominium, you may want to familiarize yourself with the homeowners’ association and review any condo documents carefully. The process of buying a condo is slightly different from buying a house. While there are similarities, condominium properties typically require an additional approval process to make sure they meet certain standards, including an evaluation of the financial and governance strength of the condo community or building you’re considering. To learn more about how to buy a condo, contact your mortgage loan officer.


Buying a condo can be a great option for first-time home buyers, investors and anyone looking to downsize. Benefits of condo living may include less maintenance and access to on-site amenities like a fitness center or pool. When deciding whether to buy a condo, weigh the pros and cons carefully to determine if it will meet your goals.


There are several things to consider when deciding whether to buy a condo as an investment, such as your financial situation, the location and how well the condo association is managed. If you purchase a condo that’s been well maintained, you may be able to generate a decent return.

American Dream mortgage loan


American Dream is a mortgage loan program only available through U.S. Bank. It’s designed to help low- to-moderate income borrowers get into their next home. Benefits of the American Dream loan include a low down payment option, mortgage insurance that's covered by U.S. Bank, and down payment assistance up to $5,500 or 3% of the purchase price up to $10,000 (whichever is greater), which may be used for repairs, down payment and/or closing costs.

Self-employed borrowers


To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.


To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.


To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.

Single-family home buyers


A single-family home may be fully detached or a semi-detached, side-by-side structure such as a duplex, row house or townhome. They are typically site-built (vs. being factory built) and must have certain characteristics. For example, they must have a ground-to-roof wall, their own heating system and utilities and no units located above or below.


Yes. A townhouse is considered a single-family home. Townhomes are individually owned and come in a wide range of sizes and configurations, usually sharing one or two walls with adjacent properties. Residents are responsible for both the interior and exterior of the property, since they own the portion of the land on which the townhome sits. Townhomes function much like condos in that they’re generally part of a homeowner’s association and may come with homeowners’ association (HOA) fees.

Angela Nelson

Mortgage Loan Originator

NMLS# 502296

702-251-1735

  • angela.nelson6@usbank.com
  • 702-251-1735

  • 702-556-0426

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Equal-Housing-Lender" Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down-payment, or borrower equity of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over the full term of the loan with an annual percentage rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.875% with a down payment, or borrower equity of 25% and no discount points purchased would result in an initial estimated monthly principal and interest payment of $3,048 with an annual percentage rate (APR) of 7.488%.

Estimated monthly payment and APR calculation are based a fixed-rate period of five years that could change in interest rate every six months for the next 25 years of the loan term, a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After the five-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with a predetermined index known as the Secured Overnight Financing Rate (SOFR). If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a 30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points purchased would result in an estimated monthly principal and interest payment of $1,663 over the full term of the loan with an annual percentage rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5% and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a 30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased would result in an estimated monthly principle and interest payment of $1,663 over the full term of the loan with an annual percentage rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 0% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year term at an interest rate of 5.625% with a down payment, or borrower equity of 25% and no discount points purchased would result in an estimated monthly principle and interest payment of $5,411 over the full term of the loan with an annual percentage rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

The rates shown above
are the current rates for a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming fixed-rate loans:  The annual percentage rate (APR) calculation assumes a $464,000 fixed-term loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $806,500 ($1,209,750 in AK and HI).

Conforming ARM loans: Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a $464,000 loan with a 25% down payment, or borrower equity, and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment or borrower equity, is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $806,500 ($1,209,750 in AK and HI).

Non-conforming ARM loans: Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a $940,000 loan with a down payment, or borrower equity, of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan amounts exceeding $806,500 ($1,209,750 in AK and HI).

Jumbo loans: The annual percentage rate (APR) calculation assumes a $940,000 fixed-term loan with a 25% down payment or borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity, is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $806,500 ($1,209,750 in Alaska and Hawaii).

FHA loans: The annual percentage rate (APR) calculation assumes a $270,019 fixed-term loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with a 3.5% down payment, or borrower equity, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

VA loans: The annual percentage rate (APR) calculation assumes a $270,072 fixed-term loan ($264,000 base amount plus $6,072 VA funding fee) with no down payment, or borrower equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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