Loan Products
Conventional Loans
Take advantage of competitive interest rates and flexible repayment terms. Conventional loans are ideal for borrowers with solid credit who want traditional financing without government-backed requirements.
Why Conventional Loans
Key Benefits
Competitive Interest Rates
Strong credit profiles are rewarded with some of the lowest rates available in the market.
No PMI with 20% Down
Avoid private mortgage insurance entirely when you make a down payment of 20% or more.
Flexible Loan Terms
Choose from 10-, 15-, 20-, or 30-year fixed-rate terms, or adjustable-rate options to match your financial goals.
Higher Loan Limits
Conforming loan limits allow you to finance properties up to the current FHFA limit in your area.
Primary, Second Home & Investment
Use conventional financing for your primary residence, a vacation home, or an investment property.
Is It Right for You?
Who Is a Conventional Loan For?
Conventional loans are best suited for borrowers with good to excellent credit, stable income, and the ability to make a meaningful down payment. Whether you're buying your first home, upgrading, or investing, conventional financing offers the flexibility and value that experienced borrowers appreciate.
Requirements
General Guidelines
- Minimum credit score of 620 (higher scores get better rates)
- Down payment as low as 3% (PMI required below 20%)
- Debt-to-income ratio typically below 45%
- Stable income and employment verification
- Available for primary, second home, and investment properties
Explore More
Other Loan Products
Ready to Get Started?
Apply in minutes and get pre-approved fast. Our team is here to walk you through every step of the conventional loans process.
Average pre-approval time: under 24 hours