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Conventional Loans
Flexible Home Financing for Every Need
When it comes to buying a home or investing in real estate, conventional loans remain one of the most popular mortgage options available. Backed by private lenders rather than the government, these loans offer competitive rates, flexible terms, and the ability to finance a wide variety of property types, including your primary residence, vacation home, or investment property.
Why Choose a Conventional Loan?
Conventional loans are a great fit for borrowers who have:
Strong credit (typically a 620+ credit score)
Stable income and employment history
The ability to make a down payment of at least 3% for first time buyers or 5% for repeat home buyers (more for investment properties)
Because they aren’t insured or guaranteed by a government agency, lenders have more flexibility in setting terms, and borrowers often enjoy lower overall costs compared to certain government-backed programs.
Key Benefits of a Conventional Loan
Lower mortgage insurance costs – If you put down 20% or more, you can avoid PMI altogether.
Wide range of property options – Finance a single-family home, condo, multi-unit property, or vacation home.
Flexible terms – Choose from fixed-rate or adjustable-rate mortgages to fit your goals.
No upfront mortgage insurance premium – Unlike FHA loans, there’s no big upfront cost for mortgage insurance.
Loan Limits
Conventional loans follow conforming loan limits set each year by the Federal Housing Finance Agency (FHFA). In most areas, the 2025 limit is $806,500 for a single-family home, but it’s higher in certain high-cost markets. Loans above this amount are considered jumbo loans and have slightly different requirements.
Is a Conventional Loan Right for You?
You may be a great candidate for a conventional loan if you:
Have a solid credit score and manageable debt-to-income ratio (DTI
Want to avoid long-term mortgage insurance costs
Are purchasing a second home or investment property
Prefer flexible loan structures tailored to your needs
How We Help You Get the Best Deal
We shop your loan across multiple wholesale lenders to ensure you’re getting the lowest possible rate and fees. We’ll walk you through every step, from pre-approval to closing, so you understand your loan terms and know you’re making the best decision for your situation.
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