3.5% down. 580+ credit.

15-Yr Fixed

5.375%

APR 5.507%

$3,234/mo est.

FHA 30-Yr

5.750%

APR 6.014%

$2,334/mo est.

FHA 30-Yr

5.625%

APR 5.937%

$2,302/mo est.

Get a personalized quote for your exact scenario →

Live Rate Table

Loan Type	Rate	APR	Mo. Payment	Change
30-Year Fixed	5.990%	6.214%	$2,396	↓	Lock rate
20-Year Fixed	5.750%	5.982%	$2,858	↓	Lock rate
15-Year Fixed	5.375%	5.507%	$3,234	↓	Lock rate
10-Year Fixed	5.250%	5.488%	$4,288	—	Lock rate
7/1 ARM	5.625%	5.814%	$2,302	↑	Lock rate
5/1 ARM	5.500%	5.712%	$2,271	—	Lock rate

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

FHA Advantage

FHA benefits: 3.5% down, flexible credit.
The easiest path to homeownership.

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

See how much you save →

FHA Purchase

As little as 3.5% down with credit scores from 580. Government-insured for your protection.

Hover to see details

FHA Purchase

3.5%Min. down

580+Credit score

30 daysAvg. close

Streamline Refi

Lower your rate with minimal paperwork. No appraisal required in most cases.

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Streamline Refi

15 daysCan close in

NoAppraisal needed

$0Upfront fees

Cash-Out Refi

Access your home equity for renovations, debt consolidation, or major purchases.

Hover to see details

Cash-Out Refi

85%Max LTV

$50K+Typical equity

30yrFixed terms

203(k) Renovation

Finance the home purchase and renovations in a single loan. One close, one payment.

Hover to see details

203(k) Renovation

1 loanPurchase + reno

3.5%Min. down

$35K+Reno budget

Download for iOS Google Play

Calculator

See your payment before you apply

Drag the sliders and watch the math update in real time. Get your personalized rate in 60 seconds — no SSN required.

Loan amount

Total over 30yr

Total interest

Try all calculators →

Est. Monthly Payment

$2,398

principal & interest · 30-yr fixed

Home Price$400,000

Down Payment3.5%

Interest Rate6.125%

Get your exact rate →

60 seconds · No credit impact

Check your rate

Answer a few questions. See your personalized rate in 60 seconds — no SSN, no credit pull.

Get FHA pre-approved

Upload documents securely. Get a verified pre-approval letter you can use immediately.

Find your home

Shop with confidence. Our team is with you every step of the way.

Close and move in

We close in 30 days or less. No delays, no excuses, no surprises.

3.5% Down Payment

Put down as little as $14,000 on a $400K home. Conventional requires $80,000.

580+ Credit Score

FHA accepts credit scores that banks reject. Designed for real borrowers.

Gift Funds Allowed

100% of your down payment can come from family. No personal savings required.

Seller Concessions

Sellers can contribute up to 6% of the purchase price toward your closing costs.

Your savings

FHA borrowers save $66,000+ over 30 years

Because we shop 50+ wholesale lenders, your rate is lower. Here's the math on a $400K home over 30 years.

National avg.

Big bank

Credit union

Valley West Lowest

$62,400

avg. savings over 30yr

$173

lower monthly payment

0.375%

avg. rate advantage

Mobile App

Your entire loan.
In your pocket.

Manage your mortgage from anywhere. The Valley West app puts real-time updates, document tools, and your loan team one tap away.

Secure Document Upload

Snap photos of documents or upload from your device. Bank-level encryption.

Live Loan Tracking

Real-time status updates at every milestone. Never wonder where things stand.

Rate Lock Alerts

Get notified the moment rates hit your target. Lock with one tap.

Direct Team Access

Message your loan officer, processor, and closer directly from the app.

Free download. Rated 4.9 stars. Available on iOS and Android.

9:41

Hi Sarah!

March 21, 2026 · Your FHA Loan

ON TRACK

Closing Apr 12

74% done8 days

MONTHLY

$2,334

RATE

5.75%

LOCKED

RATE TREND

Upload pay stubs

Due by Mar 22

John, Loan Officer

Appraisal: $415K ✓

Upload Documents

Home

Rates

Docs

Chat

Home Refinance

“Valley West had the best rates, fees and got back to me immediately. Fast, efficient, and met my every need.”

Chris M.Las Vegas, NV · Verified

Home Purchase

“This is the second home we purchased using Valley West. Always available to answer questions. Closed on time with the lowest rates.”

Fedor B.Henderson, NV · Verified

Home Purchase

“The best agent I have ever worked with. Communication was timely and professional. Fees were beyond reasonable.”

Ray T.Phoenix, AZ · Verified

Home Purchase

“30 days, 2.75% interest rate, closing was a breeze and cash to close was less than $1500.”

Lisa M.Las Vegas, NV · Verified

Home Purchase

“First home purchase and so happy I found Valley West! Always available for my many questions. Closed super fast.”

JahousleyLas Vegas, NV · Verified

Home Purchase

“Never kept waiting when I had a question. Made the whole process easy. Full credit to the team at Valley West.”

Marcus V.Henderson, NV · Verified

Read all 790+ reviews →

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