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Centennial Hills residents can find ideal mortgage solutions with our local expertise and personalized lending services. We offer customized mortgage options to fit your unique needs and help you achieve your dream of homeownership. Start your journey with us today.
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Loan Programs for Centennial Hills Homebuyers and Homeowners

We offer tailor-made loans to match your specific needs.
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The Federal Housing Administration (FHA) does not make loans, it Insures loans. In the event of foreclosure, the lender is protected by mortgage insurance issued by the government through the FHA. The insurance covers the full value of the loan.

Recently, the primary function of the FHA Mortgage insurance program was to make it possible for low-income families, first-time buyers and other borrowers who could not qualify for conventional loans to obtain a mortgage.


Conventional mortgages are institutional mortgages that are not insured by the FHA (Federal Housing Administration), or guaranteed by the VA (Veterans Administration), or the U.S. Department of Agriculture.

A conventional mortgage conforms to current loan limits, down payment and borrower income requirements, and debt-to income ratios. The FHA created higher loan limits for areas of the country designated as “high-cost areas” – including all country regions, except the Midwest.


The Department of Veterans Affairs (VA) guarantees home loans. Veterans who qualify for a VA mortgage loan must obtain a Certificate of Eligibility (COE). Determinations of eligibility are based on the length of service and are issued to veterans who were not discharged dishonorably.

At Valley West Mortgage we specialize in offering VA Mortgage Loans and take great pride in giving back to those who have served. In providing hundreds of VA Mortgage loans has allowed us to streamline the VA Mortgage loan process, making it very smooth and easy for our clients.


A USDA Guaranteed Loan is a 100% Government insured purchase loan. These loans are only offered in rural areas and serviced by direct lenders that meet federal guidelines.

USDA Rural Development field offices can provide information on the moderate income limits for the areas that fall within their jurisdiction, and can provide further guidance on calculating household income.

Reverse Mortgage

A reverse mortgage is a loan available to homeowners over 62 years of age that enables them to convert part of the equity in their home into cash.

The loan is called a reverse mortgage because the traditional mortgage payback stream is reversed. Instead of making monthly payments to a lender (as with a traditional mortgage), the lender makes payments to the borrower.


A non-qualified mortgage (non-QM) is a home loan designed to help homebuyers who can't meet the strict criteria of a qualifying mortgage. Non-QM loans fit a broad range of potential consumers and can be used to purchase primary, secondary, and investment properties.

Many people today have incomes that fluctuate, such as self-employed business owners, hospitality workers, and retirees. This is where non-QM fills the gap, by providing flexible underwriting guidelines for responsible consumers with unique income circumstances.

Today’s mortgage rates in Centennial Hills, Nevada

Frequently asked questions

What types of mortgage loans are available in Centennial Hills, Nevada?

We offer a variety of mortgage loan options in Centennial Hills, Nevada, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and Conventional loans. Our experienced team will help you choose the best loan type to fit your unique needs and financial situation.

How do I qualify for a mortgage loan in Centennial Hills, Nevada?

To qualify for a mortgage loan in Centennial Hills, Nevada, you'll need to provide proof of income, a good credit score, and a manageable debt-to-income ratio. Our mortgage specialists will guide you through the qualification process and help you understand the specific requirements for your desired loan type.

What is the current interest rate for mortgages in Centennial Hills, Nevada?

Interest rates for mortgages in Centennial Hills, Nevada can vary based on market conditions and your personal financial profile. Our mortgage experts stay updated on current rates and will provide you with the most competitive rates available. Contact us for a personalized rate quote.

How much down payment is required to buy a home in Centennial Hills, Nevada?

The down payment required to buy a home in Centennial Hills, Nevada depends on the type of mortgage you choose. Typically, conventional loans require a down payment of at least 3-5%, while FHA loans can require as little as 3.5%. VA loans may offer zero down payment options for eligible veterans. Our team will help you determine the best option for your financial situation.

What is the mortgage application process in Centennial Hills, Nevada?

The mortgage application process in Centennial Hills, Nevada involves several steps, including pre-approval, completing the mortgage application, providing necessary documentation, underwriting, and closing. Our dedicated mortgage professionals will guide you through each step to ensure a smooth and efficient process, from start to finish.

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