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(702) 696-9900Check Rate
QUICK ANSWER — Conventional credit requirements: 620 minimum, 740+ for best rates. At 720+ with 10%+ down, conventional beats FHA. Below 680, FHA often wins. Valley West compares both. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Credit Score

620 minimum. 740+ gets the best rates. See how your score affects your conventional rate and whether FHA might be better.

Check Your Rate →(702) 696-9900
790+
Reviews
No PMI
At 20% Down
50+
Lenders
28
Days Avg
Keys to new home
CREDIT TIERS

Rate by Credit Score

Score
Rate
PMI Rate
760+
5.750%
0.30%
720-759
5.990%
0.40%
680-719
6.250%
0.65%
640-679
6.625%
0.95%
620-639
7.000%
1.30%
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WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
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REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank offered. Saved $180/month."

— Conventional buyer, Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days on my investment property."

— Conventional buyer, Henderson
★★★★★

"Refinanced from FHA to conventional. Dropped MIP, rate went down. Saving $350/month."

— Refinance buyer, Summerlin

Conventional Resources

→ Requirements → Rates Today → Calculator → Credit Score Guide → Down Payment → Conv vs FHA → First-Time Buyer → Pre-Approval → Closing Costs → Compare All Loans
FAQ

Questions? Answered.

620 minimum. Best rates at 740+. Below 680, FHA often has better terms.

Yes — 720 gets competitive rates with reasonable PMI. The sweet spot is 740+ where you get the best pricing.

At 660, FHA usually wins: lower rate, lower down payment, and more flexible DTI. Conventional becomes better above 700-720.

Fannie Mae and Freddie Mac require 620. Some lenders set higher minimums at 640 or 660. Valley West follows the 620 minimum.

A 760 score vs 620 can mean 1.25% rate difference — $300+/month on a $400K loan, or $108,000 over 30 years.

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Also: VA Loans → · FHA Loans →

conventional rates from 5.750%
(702) 696-9900Check Conventional Rate