Valley West Mortgage Reviews

Valley West Mortgage is a mortgage lender based in Las Vegas, Nevada, and it’s licensed in 32 states. The company offers a variety of loans, including conventional loans, government-backed loans and refinances. It was founded in 2004 and it’s funded over $6.6 billion in loans.

To begin the Valley West Mortgage application process, you’ll first request a quote online. After that, a mortgage advisor will reach out to discuss your options and answer any questions.

When you’re ready to apply, you can do so online, over the phone or in its Las Vegas office. The company claims the application process takes about 10 minutes. Once that’s done, Valley West will run a credit check and verify your information.

If you’re approved, you’ll receive your loan disclosure either through email or by mail. Once you sign and return your documents, the loan will proceed to underwriting and then closing.

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Valley West Mortgage application process features

The table below shows some of Valley West Mortgage’s application process features:

Valley West Mortgage publishes its rates on its website. The table below shows annual percentage rates (APRs) for selected loan types based on a consumer with a 780 credit score who’s buying a $400,000 home in the Tulsa, Oklahoma area. APRs are accurate as of April 2, 2026.

To get an idea of the rate you may qualify for, you’ll need to request a personalized quote, which won’t affect your credit score. This involves filling out a short form with basic personal information and details about the type of mortgage loan you’re looking for.

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Valley West Mortgage offers a wide range of loan types for home purchases and refinances.

Purchase loans

Valley West Mortgage offers conventional loans, government-backed loans and non-qualified mortgages. Its conventional and government-backed loans are offered with fixed or adjustable rates, and its government-backed loans include Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA) and U.S. Department of Agriculture (USDA) loans.

Non-QM loans have more flexible criteria for borrowers with nontraditional income or credit histories, such as people who are self-employed.

Refinance loans

Valley West Mortgage offers rate and term refinances and cash-out refinances.

Valley West Mortgage doesn’t publish specific requirements for its loans. Generally, conventional mortgages typically require a minimum credit score of 620 and a down payment of at least 3%.

For government-backed loans, lenders usually require a minimum credit score of 580 for FHA loans and a minimum score of 580 or 620 for VA and USDA loans. FHA loans require a minimum 3.5% down payment, while VA and USDA loans don’t require a down payment.

Valley West Mortgage doesn’t publish its costs or fees online. With a home loan, you’ll need to pay closing costs, which are generally between 2% and 5% of the purchase price of a house.