4,000+ veteran families helped since 2004. $0 down. No PMI. The benefit you earned — we make sure you get every dollar.
$0 down payment. Zero PMI — ever. The lowest rates available to any borrower. The VA loan is the single most powerful mortgage benefit in the country, and Valley West makes sure you get every dollar of it.
Check Your VA Rate →Updated daily. Based on $400K home, 3.5% down.
Rates as of . 760+ FICO, $250K loan, LTV ≤80%, SFR, Primary Residence. 1 discount point. Valley West Corporation DBA Valley West Mortgage. NMLS #65506. See assumptions
An independent broker shops across dozens of lenders. A bank only offers their own products. The difference? Thousands in savings.
| Valley West | Banks | Credit Unions | |
|---|---|---|---|
| On-demand and real-time pre-approval | |||
| No application and processing fees | |||
| Best rates across multiple lenders | |||
| Out-of-box solutions for every borrower | |||
| Personalized guidance and support | |||
| Real-time loan status updates | |||
| Close home loans fast |
Whether you're buying your first home, refinancing, or renovating — we have the right loan.
As little as 3.5% down with credit scores from 580. Government-insured for your protection.
Lower your rate with minimal paperwork. No appraisal required in most cases.
Access your home equity for renovations, debt consolidation, or major purchases.
Finance the home purchase and renovations in a single loan. One close, one payment.
Drag the sliders and watch the math update in real time. Get your personalized rate in 60 seconds — no SSN required.
60 seconds · No credit impact
Every number represents a family who saved money, closed faster, or got approved when others said no.
Most clients go from application to keys in 30 days or less.
Answer a few questions. See your personalized rate in 60 seconds — no SSN, no credit pull.
Upload documents securely. Get a verified pre-approval letter you can use immediately.
Shop with confidence. Our team is with you every step of the way.
We close in 30 days or less. No delays, no excuses, no surprises.
We monitor every lender, every rate, every day — so you don't have to.
VA loans are guaranteed by the Department of Veterans Affairs — the most powerful mortgage benefit available to those who served.
Put down as little as $14,000 on a $400K home. Conventional requires $80,000.
FHA accepts credit scores that banks reject. Designed for real borrowers.
100% of your down payment can come from family. No personal savings required.
Sellers can contribute up to 6% of the purchase price toward your closing costs.
Because we shop 50+ wholesale lenders, your rate is lower. Here's the math on a $400K home over 30 years.
Manage your mortgage from anywhere. The Valley West app puts real-time updates, document tools, and your loan team one tap away.
Free download. Rated 4.9 stars. Available on iOS and Android.
Wherever you're buying, we can help. Find a licensed loan officer in your state.
Don't take our word for it. Here's what our clients say after closing.
“Valley West had the best rates, fees and got back to me immediately. Fast, efficient, and met my every need.”
“This is the second home we purchased using Valley West. Always available to answer questions. Closed on time with the lowest rates.”
“The best agent I have ever worked with. Communication was timely and professional. Fees were beyond reasonable.”
“30 days, 2.75% interest rate, closing was a breeze and cash to close was less than $1500.”
“First home purchase and so happy I found Valley West! Always available for my many questions. Closed super fast.”
“Never kept waiting when I had a question. Made the whole process easy. Full credit to the team at Valley West.”
Everything you need to know about FHA loans — requirements, rates, and how to apply.
Read articleThe step-by-step process to get your mortgage pre-approval in under 60 seconds.
Read articleWhich mortgage type is right for you? We break down the pros and cons.
Read articleThe 7 most expensive mistakes first-time buyers make — and how to avoid them.
Read articleA clear breakdown of every fee you will (and won't) pay at closing.
Read articleGet a notification the moment rates hit your target. One email. No spam. Unsubscribe anytime.
Join 22,350+ veterans who track VA rates with us.
"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."
"Third VA 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 VA loans."
Get your personalized VA rate in 60 seconds.
Get Your Free Quote →We offer rates starting at 5.375% for 15-year fixed, 5.625% for VA, 5.750% for FHA, and 5.990% for 30-year conventional. Rates update daily from 50+ wholesale lenders.
Never. Zero application fees, zero processing fees. As an independent broker, we earn our fee from the lender side — you pay nothing extra.
Most loans close in 30 days or less. FHA Streamline refinances can close in as little as 15 days.
FHA loans require 580+ for 3.5% down. VA loans have no minimum. Conventional typically needs 620+. We have solutions for most credit situations.
Banks sell one product — theirs. We shop 50+ wholesale lenders to find the lowest rate for YOUR scenario. Independent means better rates, period.
No. Our initial rate check uses a soft pull that does not impact your credit score. A hard pull only happens after you formally apply.
Get your personalized rate in 60 seconds. No SSN required. No credit impact. No obligation.
NMLS #65506 · Equal Housing Lender · 8010 W Sahara Ave #140, Las Vegas, NV 89117
VA rates from 5.750% — $0 down, no PMI. Get your personalized VA rate in 60 seconds.
Check your rate →No SSN required · No credit impact
