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See how much cash you keep with a conventional purchase loan vs conventional and conventional.
100% financing
conventional loans offer 100% financing. On a $400K home, that keeps $14,000-$80,000 in your pocket vs FHA/conventional options.
Save $150-400+/mo
Unlike conventional (PMI for life) and conventional (PMI until 20% equity), conventional loans never charge mortgage insurance. Saves $1,800-$4,800+ per year.
From 5.750%
conventional rates are 0.25-0.50% lower than conventional. Currently 5.750% vs 6.125%. Lower rate + no PMI at 20%+ down = hundreds saved monthly.
Full equity
With full conventional equity, there is no maximum loan amount. $200K starter or $1.5M property — conventional covers it with 5-20% down.
From pre-approval to closing, here is exactly how your conventional purchase works.
Apply online or call. We verify conventional eligibility, pull your pre-approval, check credit, and issue a pre-approval letter.
House-hunt with confidence. conventional loans work on SFR, condos (VA-approved), multi-units (up to 4), and manufactured homes.
Once your offer is accepted, we lock your rate and order the conventional appraisal to protect your interests.
Our team handles all lender communication. You receive a Clear to Close once fully approved.
Sign closing docs, the loan funds, the home is yours. Your 5-20% down conventional purchase is complete. Welcome home.
Houses, townhomes, detached homes
VA-approved complexes
Live in one, rent the rest
On permanent foundation
While conventional loans have low down payment options, there are closing costs. Here is how to minimize or eliminate them.
Many sellers agree to pay your closing costs as part of the negotiation.
Accept a slightly higher rate for credits that cover your costs entirely.
Roll the conventional closing costs into your loan instead of paying upfront.
Most homebuyers, active duty homebuyers, and surviving spouses qualify.
90+ continuous days of active service during wartime, or 181+ days during peacetime.
Served the minimum active duty period and received anything other than dishonorable discharge.
6+ years of service in the Selected Reserve or National Guard, or 90+ days of active duty.
"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."
Get your personalized conventional rate in 60 seconds. No SSN. No credit impact.
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