The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.
Conventional loans are traditional mortgages not backed by government agencies like FHA or VA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.
As low as 3% down for qualified first-time buyers
Traditional lending with competitive market rates
Primary homes, second homes, and investment properties
Traditional financing with flexible terms and competitive rates.
Check My EligibilityConventional loans offer flexibility with competitive requirements for qualified borrowers.
Lower DTI ratios typically qualify for better interest rates and terms.
Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.
Understanding PMI helps you make informed decisions about down payments and monthly costs.
PMI protects the lender if you default on the loan
0.3% to 1.5% of loan amount annually, paid monthly
PMI could range from $100-$500 per month
PMI automatically cancels when you reach 78% loan-to-value
Request cancellation at 80% LTV with property appraisal
Refinance to eliminate PMI if home value increased
Get answers to common questions about conventional loans
Explore your conventional loan options and find the perfect financing solution for your home.
Contact Us Today