Residential

Conventional Mortgage Loans

Flexible financing options for primary, secondary and investment properties.

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What Is a Conventional Loan?

A conventional mortgage is a home loan that isn’t insured or guaranteed by a government agency. These loans adhere to underwriting standards set by Fannie Mae and Freddie Mac and make up roughly half of all residential mortgages.

Conventional loans offer more flexibility in terms of loan amounts, property types and occupancy — covering primary residences, second homes and investment properties. Borrowers typically need a solid credit profile and down payment, but may enjoy lower mortgage insurance costs and a wide range of term options.

Program Details

  • Loan Types: Conforming (up to FHFA loan limits) and non‑conforming
  • Property Eligibility: Primary residences, second homes, 1–4 unit investment properties
  • Fixed‑Rate Options: 10, 15, 20 or 30 year terms with a constant interest rate
  • Adjustable‑Rate Options: 3/1, 5/1, 7/1 ARMs featuring a low introductory rate for 3–7 years followed by periodic adjustments
  • Down Payment: As low as 3% for first‑time buyers on conforming loans; 20%+ down payment eliminates mortgage insurance
  • Credit Requirements: Typically 620+ FICO scores; better rates with higher scores
  • Mortgage Insurance: Required if down payment is under 20%; may be removed when you reach 20% equity

Explore Your Conventional Loan Options

Contact us to compare fixed and adjustable programs and find the conventional mortgage that fits your goals.

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