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Luke AFB, Fort Huachuca (nearby) · Maricopa County

Conventional Loans in
Phoenix, AZ

5-20% down payment. No PMI at 20%+ Down. conventional rates from 5.750%. Valley West Mortgage is licensed in AZ and serves homebuyers throughout Scottsdale, Mesa, Chandler, Gilbert, Tempe, Glendale, and all of Maricopa County.

Check Your Phoenix Conventional Rate (702) 696-9900
5.750%
conventional 30yr Rate
$0
Down Payment
$832,750
Maricopa County Limit
$415,000
Median Home Price
PHOENIX conventional LOANS

Why Homebuyers in Phoenix Choose Conventional Loans

5-20% Down in Phoenix

At a median price of $415,000, a conventional loan would require $20750+ down (5%). With a conventional loan, you keep that cash in your pocket.

No PMI at 20%+ Down Savings

On a $415,000 home in Maricopa 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 AZ homebuyers since 2004. We know the Phoenix market inside and out.

PAYMENT ESTIMATE

conventional Payment in Phoenix

Estimated monthly P&I on a $415,000 home
$2,421

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

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NEARBY BASES

Military Installations Near Phoenix

Active duty, homebuyers, Guard, Reserve, and eligible surviving spouses stationed at or near Luke AFB, Fort Huachuca (nearby) can use their conventional benefit to buy a home in Maricopa County.

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FAQ

Phoenix Conventional Loan Questions

conventional 30-year fixed rates in Phoenix, AZ 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 Maricopa 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 Phoenix 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 Maricopa County and help you navigate the approval process if needed.
RELATED

Related Resources

Conventional Purchase LoansToday's Conventional RatesConventional EligibilityPayment CalculatorClosing Costs Details
EXPLORE

Related Resources

Conventional PurchaseRates TodayConventional EligibilityPayment CalculatorLas Vegas Conventional Loans
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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 licensed in Arizona and provides conventional home loans throughout the Phoenix metro area including Scottsdale, Mesa, Chandler, Gilbert, Tempe, and Glendale. We shop 50+ wholesale lenders for the best AZ conventional rates.

Maricopa County (Phoenix) follows the 2026 baseline conforming loan limit of $766,550. Homebuyers with full equity have no loan limit and can borrow any amount with 5-20% down. Those with partial equity use this county limit.

Phoenix is excellent for conventional buyers due to Luke AFB proximity, affordable housing compared to coastal cities, strong job growth, and Arizona's homebuyer-friendly tax policies. The Phoenix metro has one of the largest qualified and homebuyer populations in the US.

conventional loan rates in Arizona are the same as national conventional rates since conventional loans are federally backed. Current conventional 30-year fixed rates start at approximately 5.625%. Valley West shops 50+ wholesale lenders to find the lowest available rate for Arizona homebuyers.

Valley West typically closes conventional loans in the Phoenix area within 21-30 days. We have established relationships with Arizona title companies and conventional appraisers to ensure smooth, fast closings for Maricopa County homebuyers.

conventional rates from 5.750%
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