The Gold Standard in Home Financing
Conventional mortgages are the most popular choice for home buyers due to their flexibility and long-term cost-effectiveness. Unlike government-backed loans, conventional financing follows guidelines set by Fannie Mae and Freddie Mac, often resulting in faster processing and lower overall costs for those with solid credit.
Whether you are looking for a standard 30-year fixed-rate loan or a shorter 15-year term to build equity faster, we offer conventional products tailored to your financial goals.
- Low Down Payments: Options as low as 3% for first-time buyers and 5% for others.
- No Upfront Fees: Unlike FHA or VA loans, there are no mandatory upfront mortgage insurance premiums.
- Cancellable PMI: Private Mortgage Insurance (PMI) can be removed once you reach 20% equity.
- Higher Loan Limits: Greater flexibility for higher-priced homes compared to some government programs.
Quick Tools
Is a Conventional Loan Right for You?
Conventional loans are ideal for borrowers with stable income and a credit score of 620 or higher. They are particularly beneficial if you have a larger down payment or want the ability to eventually eliminate mortgage insurance without refinancing. Our team will help you compare conventional terms against other programs to ensure you're making the most cost-effective choice.
Your Path to a Conventional Loan
The Approval Process
Get Pre-Approved
We'll review your credit and income to provide a powerful pre-approval letter for your offer.
Find Your Home
Work with your Realtor to find the perfect property within your conventional budget.
Underwriting
Our experts handle the heavy lifting, verifying documents to clear your loan for closing.
Closing Day
Finalize your paperwork, pay your down payment, and take possession of your new home.
Ready to lock in your rate?
Conventional rates change daily. Contact us now to see today's best options for your profile.