Whether you’re refinancing, establishing a Home Equity Line of Credit or taking out a mortgage for your next (or first) home, Greater Nevada Mortgage (GNM), GNCU’s home lending subsidiary, stands ready to provide you with solutions that fit your goals and lifestyle.
Mortgages
Move to Greater With a Credit Union Mortgage
More Choices, Less Waiting
With more homes on the market, timing is everything. Our team averages 20 days from application completion to ready-to-close on purchase loans, giving you a clear edge with sellers.1
Helping the Yellowhairs Buy Their First Home
After hearing no from other mortgage lenders, Justina Yellowhair thought the dream of homeownership was out of reach for her family. But thanks to help from GNM, Justina secured a grant to put toward a down payment on their first house.
Discover What Makes Us Greater
As a credit union, all of Greater Nevada is focused on providing value to our members and communities — and not shareholders like at a traditional bank. We’re here to serve your best interests, whether it’s with real estate mortgages, personal banking and loans, business banking and loans or other financial services.
Greater Nevada Credit Union Mortgage Loans
When it comes to home loans, our options are as diverse and wide-ranging as Nevada. From standard mortgage loans to refinancing and tapping into home equity, we’re confident we have something that’s right for your goals.
Home Loans
From fixed rate to adjustable rate — and even jumbo — home loans, we have many different options at competitive interest rates and flexible terms. Not to mention down payment assistance programs and other special offers to help turn homeownership dreams into reality.
Mortgage Refinancing
Reasons to explore mortgage refinancing could be for lower monthly payments, a better rate, and accessing your home’s equity through a cash out refinance.
Home Equity Line of Credit (HELOC)
A HELOC is a great way to use the available equity from your home as a line of credit, much like how a credit card operates, to pay for things like home improvements, debt consolidation, and more. Limited-Time Offer: Take advantage of an introductory rate of 5.99% APR2,3 for the first 6 months!
Home Equity Loan
A Home Equity Loan is very similar to a mortgage, which is why it’s often called a second mortgage. You receive a one-time lump sum of funds to pay for things like home improvements, debt consolidation, and more.
Vacant Land & Lot Loans
Securing your piece of the Nevada dream with a land loan is the perfect start for your future haven.
Why Go With Greater Nevada Credit Union for Your Mortgage?
Want a personalized mortgage experience? Our team of home loan experts at GNM have the know-how and insights to help you with your next purchase, refinance or HELOC. Think of us as your friendly, local guides for each step of the mortgage process.
We’ll work to find the loan that best suits you, which includes options like:
Greater Nevada is a participating lender in several different down payment assistance programs, with options available for qualified first-time and experienced homebuyers.
We live here. We raise our families here, so we’re kind of partial to the place! That’s why our local team is committed to serving you and the needs of the communities across Nevada with every interaction.
Over $212,000 Donated to End Homelessness
According to the National Alliance to End Homelessness, 10,106 people in Nevada did not have a permanent place to live in 2024, which is a 17% increase from 2023. Supporting our communities to help those in need move toward long-term stability continues to grow. GNM has been proud to support local nonprofits working to reduce homelessness in Nevada through the Keys to Greater program since 2021.
What do I need to qualify for a mortgage from Greater Nevada?
What factors can affect my monthly payment?
What other fees and payments should I be aware of?
Get Started With Your Greater Nevada Credit Union Mortgage Today
Ready to see which loan is right for you? Get started through these links.
Other Loans You Might be Interested in
Greater Nevada members enjoy a wide variety of loan types built for every stage and need in life. From car loans to business loans to loans that help you further your education, we’re here when you need us. Explore our array of loan options below:
Auto Loans
First-time car buyer? Experienced car enthusiast? Whatever the case, you’ll drive away happy with our flexible car loans.
Auto Loans
Personal Loans
Our competitive rates and flexible terms may be able to help you afford the things you need and consolidate bills — or anything else you need to borrow money for.
Personal Loans
Recreational Loans
Get on the water or hit the road for a bucket list adventure with a boat, RV, motorcycle or other recreational loan from Greater Nevada.
Recreational Loans
1 The average purchase loan turnaround time is based on application completion to final approval, with all required conditions and guidelines being met and awaiting the Close of Escrow date, for February 2026. This is not a guaranteed timeframe for all loan applications. Each loan transaction is different, and individual turnaround times will vary.
2 Annual Percentage Rate (APR) can vary and is based on the Prime Rate plus a margin of 2.00% – 2.50% based on the borrower’s credit rating and other qualifications. The APR is subject to change each month, based on changes to the highest Prime Rate published in the Wall Street Journal “Money Rates” table. The minimum base APR is 8.75%, and the maximum base APR is 17.75%. Up to 80% combined loan-to-value (CLTV) is available with credit lines from $25,000.00 – $450,000.00, subject to collateral type and borrower qualifications. Fees and closing costs to establish a HELOC generally total between $0.00 – $1,500.00 and are paid by the borrower. $75.00 annual fee beginning on the first anniversary date. $500.00 pre-payment penalty if the HELOC is closed within 36 months of origination. Loans are available for 1 – 2 unit, owner-occupied properties in the state of Nevada only. Greater Nevada Credit Union membership is required prior to loan funding, which is open to anyone living or working in any of Nevada’s 17 counties and members of their immediate family. Additional terms and conditions may apply. Rates, terms, and conditions are effective as of March 16, 2026, and are subject to change without notice. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax-deductible for Federal Income Tax purposes. Borrowers should consult a tax adviser for further information regarding the deductibility of interest and charges. This is not a credit decision or a commitment to lend. Contact a Mortgage Consultant to learn full loan details. You may contact one directly or call Greater Nevada Mortgage at 775-888-6999 or 800-526-6999. We do business in accordance with the Federal Fair Housing Law, the Equal Opportunity Act, and the California Fair Employment and Housing Act.
3 The Home Equity Line of Credit (HELOC) introductory Annual Percentage Rate (APR) of 5.99% is available for all new HELOCs for a 6-month period from the date of account opening. The introductory APR will automatically terminate at the end of the 6-month introductory period, and the borrower’s approved APR will apply thereafter. No notice to borrower required. Offer is subject to change or cancellation without notice except as required by law.
Greater Nevada Mortgage | NMLS ID: 279738 | CA ID: 41DBO-61467 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act