conventionalhomeloans.services
(702) 696-9900Check Rate
QUICK ANSWER — Conventional pre-approval takes 24 hours. Requires income verification, credit check, and asset documentation. Pre-approval letter shows sellers your approved amount. Valley West. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Pre-Approval

Pre-approval in 24 hours. Know your exact budget. Sellers take pre-approved buyers seriously.

Check Your Rate →(702) 696-9900
790+
Reviews
No PMI
At 20% Down
50+
Lenders
28
Days Avg
Upscale home exterior
DOCUMENTS

What You Need

Income

Last 2 pay stubs, W-2s from past 2 years, federal tax returns. Self-employed: 2 years business returns + P&L.

Assets

Last 2 months bank statements for all accounts. Down payment source documentation. Gift letters if applicable.

Identity & Credit

Government ID. Credit pulled by lender. Explanation letters for any derogatory marks.

Join 147 who applied this week
See what you qualify for

Get your personalized conventional rate in 60 seconds.

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See what you qualify for

Get your personalized conventional rate in 60 seconds.

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WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
Check Your Rate →
REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank offered. Saved $180/month."

— Conventional buyer, Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days on my investment property."

— Conventional buyer, Henderson
★★★★★

"Refinanced from FHA to conventional. Dropped MIP, rate went down. Saving $350/month."

— Refinance buyer, Summerlin

Conventional Resources

→ Requirements → Rates Today → Calculator → Credit Score Guide → Down Payment → Conv vs FHA → First-Time Buyer → Pre-Approval → Closing Costs → Compare All Loans
FAQ

Questions? Answered.

24 hours with complete documents. Valley West offers same-day for straightforward files.

Yes — hard inquiry (2-5 point temporary drop). Multiple mortgage inquiries within 14-45 days count as one.

60-90 days typically. Valley West can re-verify and issue updated letters quickly.

Pre-approval is about 90% of the way to final approval. Final approval comes after property appraisal and underwriting.

Ready to get started?

See what you qualify for in 60 seconds.

Start Your Application →

Also: VA Loans → · FHA Loans →

conventional rates from 5.750%
(702) 696-9900Check Conventional Rate