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Reno's Conventional loan experts. Strong credit buyers get the best rates in Northern Nevada—no upfront mortgage insurance, and PMI drops at 20% equity. Local expertise across all Reno neighborhoods.
From Midtown condos to South Reno estates, Conventional loans offer 3-20% down options for qualified buyers. We understand Reno's unique market dynamics.
Reviewed by CEO Vatche Saatdjian — 30+ years of mortgage experience — Expert on Conventional loans
Conventional home loans for every Reno neighborhood, from downtown lofts to South Reno master-planned communities.
Vibrant urban neighborhood with walkable streets, local restaurants, breweries, and renovated historic homes close to downtown Reno.
Desirable area with mountain views, newer construction, top-rated schools, and proximity to Mt. Rose skiing and Lake Tahoe.
Master-planned community featuring parks, trails, community events, excellent schools, and family-friendly atmosphere in South Reno.
Established upscale community with mature landscaping, mountain vistas, golf course access, and convenient freeway proximity.
Growing area with newer developments, larger lots, family-oriented neighborhoods, and easy access to I-80 corridor.
Affordable master-planned community north of Reno with parks, golf, newer homes, and strong sense of community.
Flexible conventional financing for Reno homebuyers, from first-time buyers to luxury home purchasers.
First-time homebuyer program with just 3% down for qualified Reno buyers purchasing their first home.
Popular conventional option with 5-10% down, competitive rates, and flexible qualification for Reno homebuyers.
Eliminate PMI completely with 20% down, achieve lowest rates, and build equity faster in your Reno home.
High-balance financing for Reno luxury homes above $766,550, especially in South Reno and Caughlin Ranch.
Get pre-approved for a conventional loan and start your Reno home search with confidence.
Get Pre-Approved NowCommon questions about buying a home in Reno with a conventional loan.
Have more questions about buying in Reno?
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.