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Sparks Conventional loan specialists serving Northern Nevada. Strong credit buyers get the best rates with no upfront mortgage insurance—and PMI drops automatically at 20% equity.
From Victorian Square to D'Andrea and Spanish Springs, Conventional loans offer 3-20% down options. We understand the Sparks market and deliver fast closings.
Conventional home loans for every Sparks neighborhood, from established communities to newer master-planned developments.
Historic downtown Sparks with Victorian-era architecture, shops, restaurants, events, and walkable urban living close to Reno.
Large master-planned community with parks, golf courses, trails, community events, and family-friendly atmosphere in north Sparks.
Newer master-planned community with modern homes, excellent schools, parks, and convenient access to I-80 corridor.
Upscale community with golf course access, mountain views, larger lots, and proximity to shopping and dining.
Established neighborhoods with mature trees, larger properties, and strong sense of community near Sparks Marina.
Waterfront community surrounding Sparks Marina with beaches, trails, events, and recreational opportunities.
Flexible conventional financing options for every Sparks buyer, from first-time homeowners to move-up buyers.
Low down payment option for first-time Sparks buyers purchasing their first home with just 3% down.
Standard conventional loan with moderate down payment, lower PMI, and competitive rates for Sparks homes.
Eliminate PMI entirely with 20% down, achieve best rates, and maximize equity building in Sparks.
Refinance your existing Sparks home to lower your rate, remove PMI, or tap into equity with cash-out refinancing.
Get pre-approved for a conventional loan and start your Sparks home search today.
Get Pre-Approved NowCommon questions about buying a home in Sparks with a conventional loan.
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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.