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Conventional Loans

Flexible Financing for Strong Buyers

Conventional loans are mortgage programs backed by Fannie Mae and Freddie Mac, offering low down payment options, competitive pricing, and fewer restrictions compared to government-backed loans.

Why Conventional Loans

Low Down Payment Options (as low as 3–5%)

Finance the full purchase price no large upfront cash needed

No Upfront Mortgage Insurance Fee

Unlike some government loans

Flexible Loan Terms

Private mortgage insurance can be removed once you build equity

Competitive Interest Rates

Especially strong for borrowers with good credit

Who Is This For

Buyers with good to excellent
credit

Best suited for borrowers with strong credit profiles, helping secure better rates and terms.

Borrowers with stable income

Consistent income and employment history improve approval chances and loan conditions.

Those looking for flexibility in property type

Can be used for primary homes, second homes, or investment properties.

Eligible Properties

Primary residences

Your main home where you live most of the year.

Second homes

Vacation or secondary properties for personal use.

Investment properties

Homes purchased to generate rental income or long-term profit.

 *Also a great option for repeat buyers and move-up homes

Where strategy meets approvals.

We go beyond just approvals we help you optimize your deal

  • Compare multiple rate scenarios

  • Structure your loan for long-term savings

  • Break down your monthly costs clearly

  • Fast, smooth underwriting process

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