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(702) 696-9900Check Rate
QUICK ANSWER — Conventional pre-approval takes 24 hours. Requires income verification, credit check, and asset documentation. Pre-approval letter shows sellers your approved amount. Valley West. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Pre-Approval

Pre-approval in 24 hours. Know your exact budget. Sellers take pre-approved buyers seriously.

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

What You Need

Income

Last 2 pay stubs, W-2s from past 2 years, federal tax returns. Self-employed: 2 years business returns + P&L.

Assets

Last 2 months bank statements for all accounts. Down payment source documentation. Gift letters if applicable.

Identity & Credit

Government ID. Credit pulled by lender. Explanation letters for any derogatory marks.

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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.

24 hours with complete documents. Valley West offers same-day for straightforward files.

Yes — hard inquiry (2-5 point temporary drop). Multiple mortgage inquiries within 14-45 days count as one.

60-90 days typically. Valley West can re-verify and issue updated letters quickly.

Pre-approval is about 90% of the way to final approval. Final approval comes after property appraisal and underwriting.

Ready to get started?

See what you qualify for in 60 seconds.

Start Your Application →

Also: VA Loans → · FHA Loans →

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