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Carson City Conventional loan specialists. Strong credit buyers in Nevada's capital get the best rates—no upfront mortgage insurance, and PMI drops automatically at 20% equity.
From the Capitol district to Eagle Valley and Lakeview—Conventional loans offer 3-20% down options. We understand Carson City's unique market and deliver fast closings.
Conventional home loans for every Carson City neighborhood, from historic downtown to newer developments.
Historic district near the Nevada State Capitol with Victorian homes, government offices, and walkable downtown amenities.
Scenic area with mountain views, golf courses, established neighborhoods, and convenient access to Lake Tahoe.
Newer development area with modern homes, planned communities, and family-friendly neighborhoods in west Carson City.
Nearby Carson Valley communities offering rural character, larger properties, and strong community feel.
Established neighborhoods with mature landscaping, larger lots, and quiet residential streets near schools.
Growing area with newer construction, commercial development, and easy access to Reno via Highway 395.
Flexible conventional financing for Carson City homebuyers and refinancers.
Low down payment option for first-time Carson City buyers with just 3% down on conventional loans.
5-10% down conventional loan with competitive rates and flexible terms for Carson City homes.
Eliminate PMI completely with 20% down, secure best rates, and maximize equity in Carson City.
Special financing options for Nevada state employees, legislators, and government workers in the capital.
Get pre-approved for a conventional loan and start your Carson City home search today.
Get Pre-Approved NowCommon questions about buying a home in Nevada's capital with a conventional loan.
Have more questions about buying in Carson City?
Contact UsNevada's trusted conventional mortgage lender serving Las Vegas, Henderson, Reno and all of Nevada with competitive rates and expert guidance.
3% down, competitive rates, flexible terms
conventionalhomeloans.services →3.5% down, flexible credit, government-backed
fhahomeloans.services →$0 down, no PMI, for veterans & military
vahomeloans.services →$0 down, rural properties, income limits apply
usdahomeloans.services →
Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License
Licensed to conduct business in Nevada
NMLS Consumer Access: www.nmlsconsumeraccess.org
We are an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This company does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or handicap.
This is not a commitment to lend. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Additional restrictions may apply. Property insurance required. Flood insurance may be required. This website is for informational purposes only and does not constitute financial advice. Consult with a licensed loan officer for personalized guidance.