Lander County, Nevada

Mortgage Rate Alerts

The rates displayed are for information purposes only and are subject to change without notice.   Actual rates may vary based on credit score, loan amount, and other qualifying criteria.  Please contact your loan officer for your specific rate options and current terms.  

This is not a commitment to lend or extend credit.

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1 Platform, 6 Refinance Alerts

01

Alert for Lower Rates

02

Alert for Cash Out

03

Alert for Shorter Term

04

Alert for Eliminating PMI

05

Alert for Product Changes

06

Alert for Changes in Home Value

Lander Real Estate Market Update

The real estate market in Lander County, NV, has seen steady growth, with the median household value reaching $458,000 in 2024. The county’s rural character and reliance on mining and agriculture contribute to relatively stable housing prices and demand.

The largest town is Battle Mountain, with a population of approximately 3,635. Austin, another small town, has around 200 residents.

Lander County is predominantly rural, with much of the local economy based on mining, particularly gold, and ranching. The area offers a quiet lifestyle with vast open spaces and a strong sense of community. Agriculture, particularly cattle ranching, is an important industry alongside mining.

2025 Mortgage Loan Limits:
Lander County, Nevada

1 Unit

$806,500

Conforming Loans

$524,225

FHA Loans

2 Unit

$1,032,650

Conforming Loans

$671,200

FHA Loans

3 Unit

$1,248,150

Conforming Loans

$811,275

FHA Loans

4 Unit

$1,551,250

Conforming Loans

$1,008,300

FHA Loans

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Questions About Refinancing in

 Lander County

  • What is mortgage refinancing?

    Refinancing is the process of replacing your current mortgage with a new one, often to secure a lower interest rate or change the loan terms.

  • When should I consider refinancing?

    Consider refinancing when interest rates drop, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.

  • How much does it cost to refinance?

    Refinancing costs typically range from 2% to 5% of the loan amount, including closing fees, appraisal, and title fees.

  • How long does the refinancing process take?

    The refinancing process usually takes between 30 to 45 days, but this can vary based on lender efficiency and document preparation.

  • What are the benefits of refinancing?

    Refinancing can lower your monthly payments, reduce interest rates, shorten loan terms, or allow you to tap into home equity.

  • What is cash-out refinancing?

    Cash-out refinancing allows you to take out a new loan for more than your current mortgage balance and receive the difference in cash.

  • Will refinancing hurt my credit?

    Refinancing may cause a temporary dip in your credit score due to the hard inquiry, but the impact is usually minor and short-term.

  • Can I refinance with bad credit?

    It may be harder to qualify, but some lenders offer refinancing options for people with lower credit scores, though they often come with higher interest rates.

  • How much equity do I need to refinance?

    Most lenders require you to have at least 20% equity in your home to qualify for refinancing, though some programs may allow for lower equity percentages.

  • Is it possible to refinance a rental property?

    Yes, you can refinance an investment or rental property, though the terms and interest rates may be different compared to refinancing a primary residence.

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