VA version: vahomeloans.services/eligibility/ →
Served 90+ consecutive days during wartime, or 181+ days during peacetime. Must have honorable or general discharge.
Currently serving with 90+ days of active service. Eligible for conventional loan while still on active duty.
6+ years of service in National Guard or Selected Reserve. Federal activation of 90+ days also qualifies.
Un-remarried spouses of homebuyers who died in service or from service-connected disabilities may be eligible.
Cadets at home buying academies, officers of NOAA and Public Health Service, and certain other groups may also qualify.
We check your eligibility for free in minutes. No obligation, no credit pull. Call us or apply online and we will pull your pre-approval.
Check NowYour pre-approval letter (pre-approval) proves to lenders that you qualify for a conventional loan. We can pull your pre-approval instantly through the VA's automated system — most homebuyers do not need to request it themselves.
The conventional closing costs is a one-time charge that helps sustain the conventional loan program. It can be financed into the loan. Disabled homebuyers are exempt.
Get your personalized conventional rate in 60 seconds. No SSN. No credit impact.
Get Your Free Quote →FACT: conventional loans close in 25-30 days on average. With Valley West, many close in 21 days — competitive with conventional timelines.
FACT: conventional loan acceptance rates are comparable to conventional. A strong pre-approval letter from a reputable broker makes your offer competitive.
FACT: conventional loan equity is reusable. You can use it multiple times throughout your life. Many homebuyers have used their benefit 3-4+ times.
FACT: conventional minimum property requirements ensure the home is safe and sound. Most move-in-ready homes pass with no issues.
"5-20% down, no PMI at 20%+ down, lowest rate I found. Valley West closed my conventional loan in 24 days."
"Third conventional purchase with Valley West. They shop 50+ lenders every time. Always the best deal."
"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows conventional loans."
