
CONFORMING LOANS
The most common questions mortgage borrowers ask us about CONVENTIONAL HOME MORTGAGE LOANS are...

We Understand Conventional Loans
A Conventional Mortgage known as a Conforming loan can be an excellent and incredibly flexible option for home buyers as it allows for purchasing power that is much higher than government-backed financing allows for. Here are some things to be aware of and reasons why you might want to purchase a home using a Conventional Loan. At PIF Lending, we are expert mortgage brokers in all loan types, and we can easily help you decide if a Conventional Loan is best for your particular goals and housing needs or if a different loan program might be better.
- Credit score is over 620 or higher.
- Avoid fees that the federally backed home loans charge that conventional loans do not.
- Mortgage insurance drops off your home loan once you have 20% equity, where federally back homed loans do not.
- Purchasing a property over $806,500
- Looking for a 1st time buyer program that only requires 3% down
- You can put 20% down instead of minimum down as this will get rid of the private mortgage insurance (PMI) requirement.
- Looking to not include your husband or wife’s debts in consideration for the home loan.
- Allows for more flexibility for student loans and allows borrowers to qualify for a home loan with student loans MUCH easier.
- Needing to use variable income such as bonus, overtime , commissions, tips, per diem etc.
- Looking to exclude debts that will soon be paid off.
- Looking to purchase a condominium.
- Looking to purchase a home as a secondary residence that is not a primary residence.
- Looking to purchase and investment property that is not a primary residence.
Just as with anything in life, there just isn’t a one-size-fits-all when it comes to a Conforming loans. Applying for a Conventional Mortgage in Las Vegas can be a daunting task. Using a Qualified Las Vegas Mortgage Broker advocating for your needs and helping you understand how to apply and qualify for a Conventional Home Loan in Nevada makes all the difference.
Best Rate and Lowest Fees or We Cut You a Check For $1,000
Bring us a locked loan estimate dated within the last 3 biz days and if we can't match or beat it..we will eat it!
Contact Us
Helpful links to federally backed mortgage resources
FHA LOANS
VA LOANS
CONVENTIONAL LOANS

How Can An Experienced Mortgage Broker Help with Conventional Loans?
- An experienced mortgage broker can make the home loan process much easier for you since they work hard to match your loan needs, credit score, and finances with lenders who will give you the best loan for the type of property you are looking to buy. Mortgage brokers act as an advocate for the borrower and are interested in finding you the absolute lowest interest rate without all the fees. Mortgage brokers like us here at West Coast Mortgage Group we help with the mortgage application and required forms and interpreting the paperwork.
- A mortgage broker also “shops” your loan to various lenders they work with whom they know and gives loans to individuals with similar lending needs on properties that match the type of home or investment you are looking to purchase. A good mortgage broker that provides residential mortgage services in Las Vegas and the surrounding areas of Southern Nevada can make getting a mortgage loan a reality for you today.
- West Coast Mortgage Group gives you excellent service AND an excellent rate vs using retail banks where you “might” get good service, but you won’t get the rate a qualified mortgage broker can help you obtain.
- Conventional loans in Nevada have many advantages because they offer flexible options for the down payment amount, property type, and length of time the mortgage may be written. They also have different stipulations regarding acceptable minimum standards and can be written for vacation property, investment properties, and even some higher-risk type properties, such as investment purchases requiring repairs or extensive remodeling.
- Jumbo Loans
with much higher purchase limits are also available through
conventional mortgages,
and we offer a spectacular
10% down Jumbo Loan
up to $3,000,000 here at PIF Lending!
CONVENTIONAL HOME LOANS

You Deserve the Best Conventional Mortgage Broker in Las Vegas

Click Here To Learn Exactly Why You Need An Expert Mortgage lender


Best Rate and Lowest Fees or We Cut You a Check For $1,000
Bring us a locked loan estimate dated within the last 3 biz days and if we can't match or beat it..we will eat it!
Contact Us
Helpful links to federally backed mortgage resources
FHA LOANS
VA LOANS
CONVENTIONAL LOANS