Conventional loans are one of the most common mortgage options and are offered by private lenders rather than backed by the government. They are well-suited for borrowers with solid credit profiles, stable income, and the ability to meet standard underwriting guidelines.
These loans can be used for primary residences, second homes, and investment properties, making them a flexible option for a wide range of buyers.

Who Conventional Loans Are Best For
Conventional financing may be a good fit if you:

• Have good to strong credit

• Have stable and verifiable income

• Can make a down payment as low as 3%–5% (depending on the program)

• Want flexibility in property type

• Prefer to avoid upfront government mortgage insurance fees

Key Features

• Not government-backed (Fannie Mae / Freddie Mac guidelines)

• Down payment options starting as low as 3% for qualified buyers

• Competitive interest rates

• Can be used for primary homes, second homes, and investment properties

• Private Mortgage Insurance (PMI) required with lower down payments, but removable once equity is reached

What to Know Before Choosing a Conventional Loan
While conventional loans offer flexibility, they also come with:

• Stricter credit requirements than FHA

• Less tolerance for recent credit issues

• Higher down payment requirements for investment properties

• More conservative income documentation standards

These loans are ideal for borrowers with a stronger overall financial profile.

How the Process Works

1. You complete a secure mortgage application

2. We review your credit, income, and assets

3. We compare multiple lender options on your behalf

4. You choose the loan structure that best fits your goals

5. We guide you from approval through closing

As an independent mortgage broker, we work with multiple lenders to help you find the most competitive option—not just one bank’s program.

Is a Conventional Loan Right for You?
Conventional loans are not one-size-fits-all. Depending on your credit, income, and long-term plans, another option—such as FHA or VA—may be a better fit.
We’ll help you evaluate all options so you can make a confident, informed decision.