Conventional loans offer flexibility with down payments starting at 3% and the ability to remove PMI at 20% equity. We've created a specialized site dedicated exclusively to conventional financing with comprehensive guides and tools.
Visit Our Conventional Specialist Site
ConventionalHomeLoans.services
Complete conventional guides, calculators, and expert support for Nevada buyers
Compare fixed and adjustable-rate conventional mortgages with competitive rates for Nevada homebuyers with strong credit.
Calculate PMI costs, compare down payment scenarios from 3% to 20%, and see when PMI can be removed.
Understand credit score requirements, debt-to-income ratios, reserves, and documentation needed for approval.
Side-by-side comparison to determine which loan type is best for your situation and financial goals.
A conventional loan is a mortgage not insured by a government agency (FHA, VA, or USDA). It typically requires higher credit scores (620+) but offers flexibility with down payment options starting at 3% for qualified buyers.
Private Mortgage Insurance (PMI) can be removed once you reach 20% equity in your home (80% loan-to-value). You can request removal at 20% or it will automatically terminate at 22% equity.
Conventional loans offer flexibility but require down payments and PMI if under 20% down. VA loans (for veterans) offer 0% down with no PMI. If you're a veteran, VA is typically better. For non-veterans, conventional loans are the standard option. Compare in detail on our specialist site.
Whether you choose conventional, VA, or FHA financing, Valley West Mortgage provides expert guidance and competitive rates throughout Nevada.
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Visit our dedicated conventional site for complete guides, tools, and Nevada-specific resources.
Visit ConventionalHomeLoans.servicesOr call us directly at (702) 696-9900