Start Online Today

Complete a quick form and a loan officer will contact you shortly. Regular business hours: Mon.-Fri. 9 a.m.-5 p.m. PT
Get A Call Back
Prepare to shop for a home or make an offer. Valley West Mortgage can pre-qualify you right now.
Get Prequalified

  • Apply Online
    From Any Device

    Apply with Valley West Mortgage Online.
    With your Personal Computer, Tablet or Smart Phone.
    Anytime during the day. We're ready when you are.

    View Our Rates Apply Online Today Call: (702) 696-9900

  • Mortgage Education
    Learn From The Best

    You don't have to be an expert to understand how the mortgage business works.
    Our mortgage advisors can help you find the available options for any situation.

    Getting Started Learn More Call: (702) 696-9900

  • Stop Assuming
    Find Out Today

    Forgot to file your taxes? Over drafted account? Missed a payment?
    In some cases, you can still pre-qualify for a home loan.
    Consult one of our Mortgage Advisors and see what they say about your past.

    Call Today Contact Us Online Call: (702) 696-9900

1
/
3
/

Todays Mortgage Rates


30 YR. CONV FIXED

4.125% Rate | 4.125% APR
0.00 Points

30 YR. FHA FIXED

3.750% Rate | 4.728% APR
0.00 Points

VA 30 YR. FIXED

3.750% Rate | 3.854% APR
0.00 Points

Apply Today

Apply Online or speak with a mortgage advisor to start the loan application process. Let us help you find the right loan type for your situation.

Real Time Mortgage Rates

Our rates are updated in real time. Whether you’re viewing our blog or available loan types, you’ll see the most current and available mortgage rates.

Save and Come Back Applications

Start the application process and today. Save your progress and return when you’re ready to finish. You’ll be emailed a link to return to your application.

The Mortgage Process

  • How It Works
  • Talk with A Mortgage Advisor

    Consult with one of our mortgage advisors to address any questions you may have. Understand your options and how Valley West Mortgage can help you.

  • Application Process

    Being the application process. You can do this either online, or over the phone with your mortgage advisor.
    It takes less than 10 minutes.

  • Credit Check

    After we receive your application, your mortgage advisor will ask for authorization to run a credit check to verify your information and credit history.

  • Disclosures

    After our credit check and everything has been discussed, you’ll receive your loan disclosures either by electronic email or by Fed-Ex. Simply sign and return the disclosures.

0Reviews on Zillow
0Years of Experience
0Loan Types Available
0Questions Answered

About Valley West Mortgage

We are the premier Mortgage Banker in Las Vegas, NV. We have become experts in a variety of Las Vegas Home Loans designed specifically for your individual needs. Our mortgage expertise is in working with you to insure that you get the best value, service and loan product for your specific needs.

Learn More

Valley West Mortgage Loan Benefits

We have been in the business of offering the lowest mortgage rates in Nevada, Colorado, New Mexico, Idaho, Oregon, and Washington. * Valley west Mortgage is dedicated to offering you with the lowest mortgage rates possible, with the highest quality of services while having a smile. Our team is here to help first time home buyers, or returning home owners understand the current mortgage market to make the best financial decisions for you and your family.

Available Loan Types

Mortgage News

Stay up to date on all of the latest mortgage news in
Nevada, California, Colorado, Oregon, Washington, Idaho, New Mexico & Utah

Round 6 – Operation KnockOut at Brooklyn Bowl

August 27, 2015
Tickets are now on sale for our annual charity event benefitting Randy Couture’s GI Foundation at the Brooklyn Bowl’s box office, online at TUff-N-Uff Website or online at Brooklyn Bowl Website. Seating is limited, so get your tickets now! All proceeds go to local wounded soldiers and their families. There will be food, drinks, live D.J. and a great silent auction; featuring a 60 pound history of the UFC book signed by Dana White, signed gloves from various UFC fighters, signed memorabilia by Randy himself, tickets to the Chris Angel show “Believe,” other shows on the strip and much more! Buy Tickets To Round 6 at Brooklyn Bowl 10/17/2015 VENUE INFORMATION BROOKLYN BOWL LAS VEGAS 3545 LAS VEGAS BLVD. SOUTH LAS VEGAS, NV, 89109 TICKETS PURCHASED IN PERSON AT THE BOX OFFICE INCLUDE A $2 BOX OFFICE FEE (rounded to the nearest dollar). ALL TICKET PRICES INCLUDE NEVADA’S 10% LIVE ENTERTAINMENT TAX All general admission tickets are standing room only.

Monthly Income reports determine we’re not saving enough.

August 7, 2015
According to a survey conducted by Bankrate and an article on CNN Money, half of the American population currently saves less than five percent (5%) of their monthly income. It’s estimated that eighteen percent (18%) of Americans save almost nothing from their monthly income. Scary right? What is the main cause of this problem and how do you make changes in your life to start saving more of your monthly income? Those are usually the first questions asked when discussions open up about personal finance. As the United States Economy improves day by day, more Americans start spending more money on extra expenses. It’s important to treat yourself once and a while. On the other hand, we know that the U.S. Treasury Bond can spike over night and raise rates to record highs. So its important that you’re putting money into your savings. You know, for those “What if…” moments. Why we’re not surprised that monthly income savings are below five percent When you factor in all that’s going on in Colorado, Nevada and California, it makes complete sense to us that Americans are saving less from their monthly income. California is facing one of the worst droughts on record. The state taxes keep rising and wild fires are breaking out all over the place every other week. California always has something going on, so thats a little less alarming compared to Nevada and Colorado. Nevada is close to entering a drought of our own. The Colorado river feeds into Lake Mead and the Hoover Dam. With water levels continuing to fall, Hoover Dam is struggling to make power. This is alarming news considering that the Hoover Dam provides power to Arizona, Southern California and Nevada. Lake Tahoe, in northern Nevada, currently sits below it’s natural rim. This causes the Truckee river to produce less water to the city of Reno and raise water prices. You can see that even something as important as snow fall effect how much money you save. It kind of makes you rethink global warning all over agin doesn’t it. How saving less can hurt your loan chances When you apply for a mortgage loan, banks and brokers will want to see a copy of your W2’s and your taxes for the last two (2) years. They may ask you for two (2) to three (3) months of bank statements. Showing that you have some money in savings is very important. Having a steady stream of income is even more important. What’s more important, showing that even if you only put two hundred to three hundred dollars towards savings each monthly, you’re committed to paying your bills on time. Investors will see this and assume that if you get the chance to save an extra five hundred dollars, you will. That can help per-qualify you for a mortgage loan. Not being able to save anything and having a crazy list of spending spree’s does not help your situation. Keep that in your mind the next

Good Faith Estimate (GFE)

August 5, 2015
A Good Faith Estimate is an estimate of all of your closing costs when purchasing or refinancing a home loan. Your Good Faith Estimate (or GFE) will give you a ball park figure of what rate your loan will be locked at and a rough estimate of what your monthly payments will be. Federal regulations require that your lender provide you with a GFE within three days of the day you applied for your home loan. Like any type of mortgage document, the GFE can be challenging to read if you don’t have the proper guidance. Your GFE is typically three pages and it contains fees and fine print. Make sure that you recognize how each charge is allocated, who you are paying these charges to, and which fees you are being charged for up front versus which fees you will pay at closing. Use your GFE to your advantage. The GFE doesn’t just show what costs you have to pay, but also what costs the lender and seller will pay. Be mindful of the fact that if the rate changes, if the loan amount needs to be lowered or raised, your GFE will change as well. You may in fact have a total of two or three GFE’s before the close of your loan. Good Faith Estimate Tips Here’s a tip for you: the third page of the GFE discloses what fees can and cannot increase or change. If you were to go to the closing table ready to sign all of your paperwork and you notice that the numbers on your final documents are significantly different than the figures on your final GFE, stop and ask questions. A good lender will be more than happy to explain any changes to you. Your GFE is your friend and essentially your tool to make sure that you are not overcharged or underpaying for any portion of your loan. When you are issued your Good Faith Estimate, read over it section by section. Pay close attention to costs and fees. If you have questions, contact your lender. Sources: https://www.lendingtree.com/mortgage/understanding-closing-costs-who-pays-and-how-article http://www.realestate.com/advice/what-is-a-good-faith-estimate/

Defaults on debt: Puerto Rico defaults for the first time in history.

August 3, 2015
According to an article posted on CNN Money, Puerto Rico defaulted on it’s loan debt for the first time in the island’s history. It is reported that this will not effect Wall Street. It will however, effect the residents of Puerto Rico. The Puerto Rican government was seeking concessions from its creditors, including deferring some debt payments, or extending the repayment schedule. It seemed that no one would emerge from this crisis unscathed: Garcia Padilla is now urging the island’s creditors to “share the sacrifices.” The island is struggling with about $70 billion in total outstanding debt, and its economy is in recession. For the last few years, residents of Puerto Rico have been leaving the island for jobs and stability for their family. Sources: http://money.cnn.com/2015/08/03/investing/puerto-rico-default/index.html