Buy a home
Conventional Loans
A mortgage that isn't backed by a government agency. Conventional loans follow Fannie Mae and Freddie Mac guidelines and are one of the most common ways to buy or refinance.
Who it's for
- Buyers and homeowners with solid credit and steady income
- Anyone buying a primary home, second home, or investment property
- Borrowers who want the option to remove mortgage insurance later
Requirements at a glance
Down paymentFlexible. A smaller down payment can mean mortgage insurance.
CreditSolid credit helps most. Better credit generally means better pricing.
PropertyPrimary homes, second homes, and investment properties.
DocumentsSteady, documented income and assets.
General information only. Eligibility, terms, and requirements vary by lender and borrower, and not everyone will qualify. This is not a commitment to lend.
How it works
Four steps. Zero guesswork.
1
Tell me your goals
A short, no-pressure conversation about what you want and your numbers.
2
I compare lenders
I look across lenders to find the best conventional loan option for your situation.
3
You apply, I run the file
One application. I manage the file and keep you updated.
4
Close with confidence
You know what to expect at every step, all the way to the keys.
Questions
Good to know.
Conventional loans aren't insured or guaranteed by a government agency. FHA and VA loans are, which is why their qualifying rules differ. I'll compare them side by side for your situation.
In many cases, yes. The requirements differ from a primary home, so I'll walk you through what applies to you.
No. Many buyers put down less. A smaller down payment can mean mortgage insurance, and I'll show you the numbers both ways.
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Let's get started
Ready to see what you qualify for?
It takes five minutes and a soft credit check. No obligation, no pressure, just a clear picture of your options.