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(702) 696-9900Check Rate
QUICK ANSWER — Current conventional rates April 2026: 30-year fixed 5.990%, 15-year 5.375%. No PMI with 20% down. Valley West shops 50+ wholesale lenders daily. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Rates Today

30-year from 5.990%. 15-year from 5.375%. No PMI at 20% down. Updated daily from 50+ lenders.

Check Your Rate →(702) 696-9900
790+
Reviews
No PMI
At 20% Down
50+
Lenders
28
Days Avg
TODAY

Rates Right Now

Conv 30-Yr
5.990%
APR 6.124%
Conv 15-Yr
5.375%
APR 5.512%
Conv ARM
5.625%
5/1 ARM
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WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
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REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank offered. Saved $180/month."

— Conventional buyer, Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days on my investment property."

— Conventional buyer, Henderson
★★★★★

"Refinanced from FHA to conventional. Dropped MIP, rate went down. Saving $350/month."

— Refinance buyer, Summerlin

Conventional Resources

→ Requirements → Rates Today → Calculator → Credit Score Guide → Down Payment → Conv vs FHA → First-Time Buyer → Pre-Approval → Closing Costs → Compare All Loans
FAQ

Questions? Answered.

30-year fixed 5.990%, 15-year 5.375%, 5/1 ARM 5.625% as of April 2026. Valley West updates daily from 50+ lenders.

Slightly — typically 0.125-0.25% higher. But no permanent mortgage insurance makes conventional cheaper long-term for 720+ borrowers.

Higher credit score (740+), larger down payment (20%+), and using an independent broker who shops 50+ lenders like Valley West.

Yes. Valley West offers 15-60 day rate locks. Your rate is guaranteed even if markets rise during the lock period.

Fixed rate stays the same for 30 years. ARM (adjustable) starts lower but can change after 5-7 years. Fixed is safer; ARM saves money short-term.

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Also: VA Loans → · FHA Loans →

conventional rates from 5.750%
(702) 696-9900Check Conventional Rate