conventional loans

Conventional loans are one of the most common and flexible mortgage options for homebuyers. Unlike government-backed loans, conventional mortgages are offered through private lenders and typically require stronger credit and a stable financial history. They’re ideal for buyers looking for competitive interest rates, varied term lengths, and lower overall costs when putting down at least 3–20%. Whether you’re purchasing a new home or refinancing an existing one, conventional loans offer advantages like no upfront mortgage insurance (with 20% down), faster processing times, and a wide range of fixed or adjustable-rate options. Our team will help you compare your options and find the conventional loan that best suits your needs and budget.

What Is a Conventional Loan?

A conventional loan is a home mortgage not insured by a government agency, such as the FHA or VA. These loans are ideal for buyers with good credit, stable income, and the ability to make a down payment—typically starting at 3% for qualified borrowers. They offer flexible term options and competitive interest rates, making them a top choice for many homebuyers and refinancers.

Benefits of Choosing a Conventional Loan

Conventional loans often come with lower overall costs, especially when putting down 20% or more, which eliminates the need for private mortgage insurance (PMI). With fewer restrictions and faster approval times, conventional loans provide greater flexibility in property types, loan amounts, and repayment structures—giving you more control over your financing.

Conventional Loans

Who Is a Good Fit for a Conventional Loan?ption Title

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Conventional Loan Limits and Requirements

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Getting Started with a Conventional Loan

The process begins with a pre-approval to understand your budget and strengthen your offer when house hunting. From there, we’ll guide you through selecting the right loan term, submitting documentation, and securing the best available rate. With our support, getting a conventional loan is simple, efficient, and stress-free.

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