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Conventional Loans

Competitive rates and as little as 3% down for qualified buyers.

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Who it's for

  • Buyers with stronger credit who want competitive pricing
  • Shoppers who may put 3% to 20% down
  • People buying a primary home, second home, or some investment properties
  • Anyone who wants options besides FHA or VA

Key benefits

Low down payment options

Qualified buyers may put as little as 3% down on some conventional programs.

Mortgage insurance that can drop off

Unlike FHA in many cases, conventional PMI can often be removed once you reach enough equity.

Flexible property types

I'll help you see whether conventional fits the home you want, including condos when guidelines allow.

Typical requirements

  • Credit, income and debt ratios that meet current conventional guidelines
  • A down payment, which can be as little as 3% for some qualified buyers
  • Reserves may be needed depending on the file
  • The property must meet lender and investor standards
  • Exact terms vary. Let's review your situation.

Questions about Conventional Loans

Is conventional always cheaper than FHA?

Not always. It depends on credit, down payment and mortgage insurance. I'll put both side by side.

When can I drop PMI?

On many conventional loans, PMI can be removed once you reach enough equity. I'll explain the path on your loan.

Can I buy an investment property conventionally?

Sometimes, with larger down payments and tighter guidelines. If rentals are the goal, I'll also compare DSCR.

Related programs

FHA Loans

Buy with as little as 3.5% down and flexible credit guidelines.

Learn more →

First-Time Homebuyer

A step-by-step path to your first set of keys, including down payment assistance options.

Learn more →

Ready to see what you qualify for?

Book a free 15-minute call. No pressure, no obligation.

Book My Free CallCall or Text 407-575-4428