Conventional loans offer competitive rates, flexible terms, and low down payment options. Get fast approvals for purchase or refinance with strong credit.*
See if you qualify for a Conventional Loan Today
Get competitive fixed and adjustable rates on Conventional purchase and refinance loans.
Qualified buyers can put as little as 3%–5% down on a Conventional loan.
Conventional loans reward borrowers with good to excellent credit scores.
Avoid mortgage insurance by putting 20% or more down on your home purchase.
*Savings estimates vary. Conventional loans may require mortgage insurance with less than 20% down. Minimum credit and documentation apply. All loans subject to approval, income verification, appraisal, and conventional loan guidelines. Terms and conditions apply. Conventional Home Loans is a licensed mortgage lender. Equal Housing Lender.
Conventional loans are the most popular mortgage option for qualified buyers with solid credit
Put down as little as 3% with conventional financing options
Access some of the best interest rates available on the market
Avoid PMI completely when you put down 20% or more
Choose from 15, 20, or 30-year loan terms to fit your budget
Real stories from real customers who achieved their homeownership dreams
"No one can believe the deal I got. This was my first home purchase and I'm so happy I found Valley West! Vatche and his team answered all my questions, closed super fast, and helped me get an incredible deal. Highly recommended."
"Organized, efficient, and extremely professional. Valley West helped me secure a lower interest rate and made the process simple. I highly recommend them to anyone looking for a trustworthy mortgage company."
"Got my loan closed in less than 30 days. Everything was extremely simple and done online. Thank you Vatche and the team for helping my family."
"Met my every need. Fast, efficient, and the lowest rates. They delivered exactly what they promised."
"They are second to none. This is our second home with Valley West. Both times we closed quickly with the best rates. Amazing experience."
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