Loan Program
Conventional Loans
The most popular loan type for qualified buyers
What is a Conventional Loans?
Conventional loans are mortgage loans that are not insured or guaranteed by a government agency such as the FHA, VA, or USDA. They come in two varieties: conforming (meeting Fannie Mae/Freddie Mac guidelines) and non-conforming (jumbo). Conventional loans typically require stronger credit and down payments, but offer lower overall costs for well-qualified buyers.
Key Features
- Competitive interest rates
- 3% minimum down payment
- No upfront mortgage insurance
- PMI removable at 20% equity
- Flexible property types
- Multiple term options (10–30 years)
Requirements
- Credit score 620+
- Debt-to-income ratio ≤45%
- 2 years employment history
- Proof of income and assets
- Property appraisal required
At a Glance
Min. Down Payment3%
Min. Credit Score620
Loan Limit$766,550 (conforming)
Best For
- Buyers with 620+ credit
- Those with 3–20% down
- Investment property buyers
- Move-up buyers
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Whether you're buying your first home, upgrading, or refinancing, our team is ready to guide you. Getting pre-approved takes less than 10 minutes.
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