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Las Vegas, northwest Las Vegas · Clark County

Conventional Loans in
Las Vegas, NV

5-20% down payment. No PMI at 20%+ Down. conventional rates from 5.750%. Valley West Mortgage is licensed in NV and serves homebuyers throughout Henderson, Summerlin, North Las Vegas, Spring Valley, Enterprise, and all of Clark County.

Check Your Las Vegas Conventional Rate (702) 696-9900
5.750%
conventional 30yr Rate
$0
Down Payment
$832,750
Clark County Limit
$435,000
Median Home Price
LAS VEGAS conventional LOANS

Why Homebuyers in Las Vegas Choose Conventional Loans

5-20% Down in Las Vegas

At a median price of $435,000, a conventional loan would require $21750+ down (5%). With a conventional loan, you keep that cash in your pocket.

No PMI at 20%+ Down Savings

On a $435,000 home in Clark County, you save approximately $200-350/month by avoiding private mortgage insurance that conventional and conventional loans require.

Local Expertise

Valley West Mortgage is headquartered in Las Vegas and has been serving NV homebuyers since 2004. We know the Las Vegas market inside and out.

PAYMENT ESTIMATE

conventional Payment in Las Vegas

Estimated monthly P&I on a $435,000 home
$2,538

5.750% rate · 30-year fixed · 5-20% down · $0 PMI

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NEARBY BASES

Military Installations Near Las Vegas

Active duty, homebuyers, Guard, Reserve, and eligible surviving spouses stationed at or near Las Vegas, northwest Las Vegas can use their conventional benefit to buy a home in Clark County.

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FAQ

Las Vegas Conventional Loan Questions

conventional 30-year fixed rates in Las Vegas, NV start at 5.750% as of March 2026. conventional 15-year rates start at 5.500%. These are wholesale broker rates from Valley West Mortgage for 740+ credit scores. Your personalized rate depends on your credit profile and loan details.
The 2026 conforming loan limit in Clark County is $832,750 for a single-family home. However, homebuyers with full equity have no loan limit and can purchase at any price with 5-20% down.
A typical conventional purchase in Las Vegas closes in 25-30 days. Valley West Mortgage regularly closes in 21 days thanks to our local market knowledge and wholesale lender relationships. conventional rate-and-term refinance refinances can close in as little as 15 days.
Yes, as long as the condo complex is VA-approved or qualifies under the conventional single-unit approval process. Valley West can check conventional approval status for any condo in Clark County and help you navigate the approval process if needed.
RELATED

Related Resources

All Nevada Conventional LoansHenderson Conventional LoansConventional Purchase ProcessToday's Conventional RatesClark County Loan Limits
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EXPLORE

Related Resources

Henderson Conventional LoansNevada Conventional LoansConventional PurchaseRates TodayPayment CalculatorConventional Eligibility
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REVIEWS

What conventional Buyers Say

★★★★★

"5-20% down, no PMI at 20%+ down, lowest rate I found. Valley West closed my conventional loan in 24 days."

— conventional buyer, Las Vegas
★★★★★

"Third conventional purchase with Valley West. They shop 50+ lenders every time. Always the best deal."

— conventional buyer, Henderson
★★★★★

"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows conventional loans."

— conventional buyer, North Las Vegas
YOUR conventional RATE

Get Your Personalized Rate

conventional rates from 5.750%. 5-20% down. No PMI at 20%+ Down. Check your rate in 60 seconds.

Check Your Conventional Rate (702) 696-9900

No SSN required · No credit impact · NMLS #65506

WHY US
The Valley West Difference
50+
Lenders competing for your conventional loan.
$0
Down payment. $0 PMI. $0 fees.
28
Average days to close.
4.9★
790+ five-star reviews.
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Conventional Loan Resources

→ Conventional Eligibility → Conventional Rates Today → conventional Calculator → Conventional Purchase → conventional Refinance → conventional Guide → First-Time Buyer → Closing Costs → Closing Costs → conventional vs FHA
FAQ

Frequently Asked Questions

Yes. Valley West Mortgage is based in Las Vegas and provides conventional home loans throughout the Las Vegas Valley including Summerlin, Spring Valley, Enterprise, and the entire Clark County area. We are located at 8010 W Sahara Ave Suite 140.

Las Vegas (Clark County) follows the 2026 baseline conforming loan limit of $766,550. Homebuyers with full equity can borrow above this limit with 5-20% down. There is no maximum loan amount for homebuyers with full equity.

Las Vegas is one of the best markets for conventional home buyers due to proximity to Las Vegas, no state income tax, relatively affordable housing compared to California, and a large homebuyer community. Nevada ranks among the top states for conventional loan volume.

As of 2026, the median home price in Las Vegas is approximately $425,000-$475,000. Summerlin and parts of the southwest tend higher ($500K+), while North Las Vegas and eastern areas offer options in the $300K-$400K range — all within conventional loan limits.

Valley West Mortgage averages 21-day closings on conventional loans in Las Vegas, faster than the national average of 45-50 days. Our local presence means faster appraisals, same-day title orders, and direct relationships with Clark County recording offices.

conventional rates from 5.750%
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