The flexible workhorse of home financing.
Conventional loans are the most common path to homeownership — competitive rates, flexible terms, and options for down payments starting as low as 3% for qualified buyers. Because we broker your loan across dozens of wholesale lenders, your conventional rate is the market competing for you, not one bank's shelf price.
Buyers with established credit who want the widest menu of terms — 15, 20, or 30 years, fixed or adjustable. Also the natural home for second homes and investment properties, and for buyers who want mortgage insurance that goes away once equity reaches 20% instead of lasting the life of the loan.
A short application and credit review gives you a real number to shop with.
We put your file in front of dozens of wholesale lenders and bring back the best terms.
Income, assets, and the property get verified. We quarterback the paperwork.
Sign, fund, keys. Most conventional purchases close in about 3–4 weeks.
Qualified first-time buyers can put as little as 3% down; 5% is common otherwise. Putting 20% down removes mortgage insurance entirely — but waiting years to save 20% often costs more than the insurance would. We'll run both math paths with you.
Most conventional programs look for the mid-600s and up, with the best pricing in the mid-700s. If you're close to a threshold, we'll tell you — sometimes a 60-day plan beats applying today.
Fixed is the default for a reason: your payment never moves. An ARM can make sense if you're confident you'll sell or refinance within its fixed period. We'll show you the break-even.
Every scenario is different — program guidelines, rates, and qualifying criteria vary by lender and change over time. The fastest way to a real answer is a conversation. This page is general information, not a commitment to lend.