Conventional Loans
Flexible conventional mortgage loans with competitive rates. Start with as little as 3% down, eliminate PMI with 20% down, and choose terms that fit your financial goals.
Apply for a Conventional Loan →Conventional Loan Benefits
Low Down Payment
Qualified buyers can put as little as 3% down with certain conventional loan programs.
No PMI at 20% Down
Avoid private mortgage insurance entirely when you put 20% or more down, lowering your monthly costs.
Flexible Loan Terms
Choose from 10, 15, 20, or 30-year fixed-rate terms, or explore adjustable-rate options.
Higher Loan Limits
Conventional conforming loans support higher purchase prices than some government-backed programs.
Investment & Second Homes
Eligible for primary residences, vacation homes, and investment properties — unlike most government loans.
PMI Cancellation
Once your equity reaches 20%, you can request PMI removal — unlike FHA loans which require refinancing.
Who Qualifies?
Conventional loans are available to any qualified buyer. Lenders typically look for a credit score of 620 or higher, a stable employment history, and a debt-to-income ratio within acceptable guidelines. The stronger your credit profile, the better the rate you'll qualify for.
Conventional loans are not backed by the government, which means faster processing and fewer property restrictions compared to VA, FHA, or USDA loans. They are an excellent choice for buyers with strong credit who want maximum flexibility.
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