Loan programs
Conventional loans.
The most common mortgage in America: flexible, widely available, and often the best value for buyers with solid credit.
Talk to a loan originatorWhat is a conventional loan?
A conventional loan is a mortgage that is not insured or guaranteed by a federal agency. Most follow the guidelines of Fannie Mae and Freddie Mac ("conforming" loans), which is why so many lenders offer them and why pricing is competitive. They come in fixed-rate and adjustable-rate versions and can be used for primary residences, second homes and investment properties.
Who it's for
Buyers and homeowners with established credit and stable, documented income. Conventional loans are also the usual route for second homes and rental properties, for condos, and for borrowers who want to avoid the upfront mortgage insurance that government programs carry.
What you'll need
A credit history that meets the program's standards; income documentation such as pay stubs, W-2s or tax returns; statements showing the funds for your down payment and closing costs; and an appraisal of the property. Mortgage insurance may apply depending on your down payment and drops off once you have enough equity.
Good to know
Because conventional guidelines reward stronger credit and larger down payments with better pricing, it's worth comparing a conventional quote against FHA — we'll run both for you so the choice is made on numbers, not assumptions.
Ask us about Conventional financing
A few quick questions and a loan originator reaches out — no credit pull, no commitment.
Where are you in the home-buying process?
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