Traditional Financing, Exceptional Value
Conventional loans offer competitive rates, flexible terms, and the ability to remove mortgage insurance—making them the most popular choice for homebuyers.
Loan Overview
The Most Versatile Mortgage Option
Conventional loans are not backed by a government agency, which means they often come with lower overall costs for borrowers with strong credit. They're ideal for primary homes, second homes, and investment properties.
Key Advantages
Why Choose Conventional
Conventional loans offer the flexibility and long-term savings that make them the preferred choice for qualified borrowers.
Competitive Rates
Borrowers with good credit often secure the lowest rates available with conventional financing, saving thousands over the life of the loan.
Removable PMI
Unlike FHA loans with permanent mortgage insurance, conventional PMI can be removed once you reach 20% equity—lowering your monthly payment.
Flexible Property Types
Finance your primary residence, vacation home, or investment property. Conventional loans offer the widest range of eligible property types.
Higher Loan Limits
Conforming loan limits allow you to finance homes up to the area limit with standard pricing. Jumbo options are available for higher amounts.
3%
Minimum Down Payment
620
Minimum Credit Score
30yr
Fixed-Rate Available
Questions & Answers
Frequently Asked Questions
A conventional loan is a mortgage that is not insured or guaranteed by a government agency like the FHA or VA. They're offered by private lenders and typically follow guidelines set by Fannie Mae and Freddie Mac.
Ready for Competitive Rates?
Apply today and see why conventional loans are the most popular mortgage choice. Our team will find the best rate and term for your situation.