Flexible, Competitive Financing

Conventional Loans — flexibility meets opportunity.

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans. Conventional mortgages — whether conforming or non-conforming — usually require a slightly larger down payment than some government loans, but offer more flexibility and fewer restrictions for borrowers with good credit and steady income.

Get Pre-Approved Talk to a Loan Officer

Flexible Down Payment

Requirements vary by loan program, eligibility, and underwriting.

Higher Loan Limits

Finance more expensive or high-cost area homes.

Flexible Terms

Choose the term and structure that fits your budget.

Drop PMI Sooner

Cancel PMI once you reach 80% LTV — unlike FHA.

Ready to find your rate?

Get matched with a dedicated loan officer who will walk you through your conventional loan options — no pressure, no obligation.

Start My Application Contact Us

Conventional Loans — flexibility meets opportunity.

Advantages of Conventional Loans

Down Payment Requirements

Eligibility Requirements

Conventional vs. Government-Backed Loans

Refinancing an FHA Loan into a Conventional Loan

Closing Costs

Qualifying for a Conventional Loan when Owing Taxes

Conventional vs. FHA: Breaking it Down

Ready to find your rate?

Conventional Loans — flexibility meets opportunity.

Advantages of Conventional LoansConventional loans offer several distinct advantages over government-backed financing.

Advantages of Conventional Loans

Down Payment RequirementsConventional loans are more flexible than many borrowers expect.

Down Payment Requirements

Eligibility RequirementsStrong credit and steady income are the foundation of conventional approval.

Eligibility Requirements

Conventional vs. Government-Backed LoansEach loan type has strengths — the right answer depends on your situation.

Conventional vs. Government-Backed Loans

Refinancing an FHA Loan into a Conventional LoanMove out of FHA mortgage insurance once you've built enough equity.

Refinancing an FHA Loan into a Conventional Loan

Closing CostsThere are several options available to help cover closing costs with your conventional loan.

Closing Costs

Qualifying for a Conventional Loan when Owing TaxesOwing taxes doesn't automatically disqualify you — the details matter.

Qualifying for a Conventional Loan when Owing Taxes

Conventional vs. FHA: Breaking it DownThe clearest side-by-side of where conventional pulls ahead.

Conventional vs. FHA: Breaking it Down

Ready to find your rate?