Conventional Loans
Flexible Financing for qualified buyers. As little as 3% down.
Program Overview
What is a Conventional
Loan?
Conventional loans are mortgages not insured or guaranteed by a government agency. They follow guidelines set by Fannie Mae and Freddie Mac and remain the most popular loan type in the country.
With competitive rates, flexible terms, and down payments starting at just 3%, conventional financing is ideal for borrowers with solid credit and stable income looking to maximize long-term value.
Key benefits
Why Borrowers choose this loan?
Low Down Payment
Qualified first-time buyers can put down as little as 3%.
No Upfront MI
Avoid upfront mortgage insurance fees required on FHA loans.
Drop PMI Early
Cancel private mortgage insurance once you reach 20% equity.
Flexible Terms
Choose 10, 15, 20, or 30-year fixed-rate or adjustable-rate options.
Property Variety
Finance primary homes, second homes, or investment properties.
Competitive Rates
Strong credit profiles unlock our best available pricing.
elegibility
Do you Qualify?
Every borrower's situation is unique. Below are typical guidelines. Our loan officers will review your specific scenario and confirm eligibility quickly.
✔ Minimum credit score of 620 (higher scores unlock better pricing)
✔ Debt-to-income ratio typically up to 45%
✔ Down payment of 3% or more for primary residence
✔ Two-year employment history (with exceptions)
✔ Loan amount within conforming limits ($832,750 in most areas for 2026)
