Explore flexible conventional loan options with competitive rates.
Conventional loans offer competitive interest rates, flexible terms, and low down payment options for qualified homebuyers. These loans are ideal for buyers with strong credit profiles looking for long-term stability or short-term flexibility.
A conventional loan is any mortgage that is not backed by a government agency such as FHA, VA, or USDA. These loans follow underwriting standards set by government-sponsored enterprises and are available in both conforming and non-conforming options.
Conforming conventional loans follow standard loan limits, while non-conforming loans allow for higher loan amounts depending on the property type and location.
We make the conventional loan process simple by helping you compare programs, rates, and terms so you can choose the option that best fits your financial goals.
Loan-to-value (LTV) ratios play a key role in conventional loan approval and pricing. LTV requirements vary based on property type, occupancy, and loan structure.
For multi-unit properties such as two-, three-, or four-family homes, different LTV limits may apply. Our team will help you understand your options and guide you through the details.
Conventional mortgages are not insured or guaranteed by the federal government, yet they follow guidelines set by Fannie Mae and Freddie Mac, making them one of the most popular home financing options.
How the Conventional Loan Process Works:
Mortgage rates change daily and vary depending on your unique situation.
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