Conventional loans offer agency-eligible financing that meets Fannie Mae and Freddie Mac guidelines — not government-insured, and structured to reward borrowers with strong credit and a meaningful down payment.
Fannie Mae & Freddie Mac
Approved Guidelines
Full Lending Market
Access to All Conventional Options
Competitive Pricing
Conventional Rate Advantage
NMLS Registered
Licensed & Compliant
Why Conventional
Conventional loans are not government-insured — and for the right borrower, that distinction unlocks real advantages in cost, flexibility, and long-term value.
Unlike government-insured loans where mortgage insurance often lasts the life of the loan, private mortgage insurance (PMI) on a conventional loan can be removed once you reach sufficient equity — a meaningful long-term savings advantage.
Conventional financing can be applied to primary residences, second homes, and investment properties — a wider range of use cases than most government-backed programs allow, giving you more strategic options.
Borrowers with strong credit and a meaningful down payment typically access some of the most competitive pricing available in the market — making conventional financing especially efficient for those who qualify.
Eligibility
Conventional financing rewards borrowers who bring solid credit history, reliable documentation, and a willingness to invest in their down payment — across a wide range of buyer profiles.
Entry-level down payment options available — as low as 3% for eligible borrowers — with PMI that disappears as your equity grows.
Leverage built-up equity and an established credit profile to access competitive conventional pricing on your next home.
Conventional financing supports second-home purchases with no government agency restrictions on property type or use.
Agency-eligible conventional loans are one of the most reliable financing tools for acquiring investment properties with competitive terms.
A larger down payment can unlock better pricing, eliminate PMI from day one, and reduce the overall cost of the loan significantly.
Unlike government-insured programs, PMI on a conventional loan is not permanent — once you hit the required equity threshold, it can be removed.
Process
Three clear steps from your first conversation to a fully approved conventional loan — no surprises, no guesswork.
Share the basics — property use, estimated purchase price, and where you stand on credit and down payment. We'll do the heavy lifting from there.
We review your profile, confirm you're within the conforming loan limit for your county, and present agency-eligible conventional loan options with transparent pricing.
Receive your pre-approval, lock in your conventional loan, and move into the purchase or refinance process with full confidence and clarity.
Use Cases
Agency-eligible conventional financing isn't limited to primary home purchases. Here's where it applies.
Primary Residence Purchase
The most common application for conventional, agency-eligible financing.
Second Home Purchase
Finance vacation or retreat properties with conventional terms — not available through most government programs.
Investment Property Purchase
Expand your real estate portfolio with conventional financing built for investor-grade acquisitions.
Rate-and-Term or Cash-Out Refinance
Improve your rate, adjust your term, or tap equity — all within Fannie Mae/Freddie Mac conventional guidelines.
Straightforward answers about down payments, mortgage insurance, and qualifying for conventional financing.
A conventional loan is a mortgage that meets Fannie Mae and Freddie Mac guidelines and is not insured or guaranteed by a government agency. Because it is not government-insured, it typically requires stronger credit and documentation than government-backed programs — but rewards qualified borrowers with competitive pricing and greater flexibility in how the loan can be used.
Qualified borrowers can put as little as 3–5% down on a conventional loan. However, a larger down payment typically improves your pricing, reduces the loan-to-value ratio, and can allow you to avoid private mortgage insurance (PMI) altogether if you reach 20% equity at origination.
Yes — once you reach sufficient equity in the home, private mortgage insurance (PMI) on a conventional loan can typically be removed. This is a key advantage over government-insured loans, where mortgage insurance often remains for the life of the loan regardless of how much equity you've accumulated.
Yes — conventional financing can be used for primary residences, second homes, and investment properties. This occupancy flexibility is one of the key advantages over government-backed programs like FHA, VA, and USDA loans, which are typically restricted to owner-occupied primary residences.
Most lenders look for a minimum credit score around 620 for conventional financing, though the exact number can vary by lender and loan program. A higher score typically unlocks better interest rates and may reduce your private mortgage insurance costs. Borrowers with scores in the 740+ range generally see the most favorable pricing, while those closer to the minimum can still qualify but may face stricter requirements on down payment or reserves.
Conventional loans offer flexible, agency-eligible financing for a wide range of borrowers — from first-time buyers to those seeking high-balance amounts above standard limits. Loan limits and program guidelines are subject to change; consult a licensed mortgage professional for current county-specific limits and personalized rate information.
Check My RateBorrower Stories
"We'd been renting for years and finally had the credit and savings to go conventional. The process was transparent from day one — we understood our rate, our PMI timeline, and exactly what we'd pay once that PMI came off. It made the decision easy."
Mark & Kate D.
Primary Residence — First-Time Buyers
"We already owned our primary home and wanted a place to retreat to on weekends. A conventional loan was the only real path — no government programs allowed second-home purchases. The rate was competitive, and the entire experience felt designed for buyers who knew what they were doing."
Rachel L.
Second Home Purchase — Move-Up Buyer
"This was my third investment property, and working through a conventional, agency-eligible loan gave me the confidence of working within proven guidelines. Pricing was strong given my credit profile, and the team understood exactly what documentation investors need to put forward."
James P.
Investment Property — Real Estate Investor
Strong credit and a meaningful down payment deserve competitive, agency-eligible financing. Tell us about your goals — we'll match you with conventional loan options that fit your profile.