Conventional Loans

Conventional Loans

Conventional loans for first-time and repeat buyers with low-down-payment options, cancelable PMI, gifts, and clear credit and income guidance.

The flexible standard—with more options than its name suggests.

Does conventional fit your file?

Choose the down payment, then watch the system move.

From automated findings to clear to close.

Put conventional beside the alternatives.

The conventional fine print.

Let’s find your best down-payment and PMI balance.

Programs

The conventional buyer playbook

Conventional loans can start at 3% down for eligible buyers, reward stronger credit, and offer PMI that can cancel. We compare the rate, insurance, reserves, and cash-to-close as one system.

Tap every box that’s true today. Most people surprise themselves.

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More down can reduce balance and PMI—but emptying savings is not automatically a win.

Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.

From first hello to keys, the typical arc — assuming the house-hunt cooperates.

Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.

Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.

Answered the way we’d answer a friend — including the parts that don’t favor us.

Twenty minutes, free, and specific to your numbers — not the internet’s.

Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment.

Explore

Talk to us

Mon–Sat · 8a–6p CT

Equal Housing Opportunity.

This is not a commitment to lend. Program details, rates, and payment figures are illustrative, change often, and depend on your full application.

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• setMenuOpen(!menuOpen)} aria-expanded= aria-label= className="rounded-full p-2.5 text-[#26326E] transition-colors hover:bg-[#e8eef8] md:hidden"> The conventional buyer playbook The flexible standard—with more options than its name suggests. Conventional loans can start at 3% down for eligible buyers, reward stronger credit, and offer PMI that can cancel. We compare the rate, insurance, reserves, and cash-to-close as one system. Does conventional fit your file? Tap every box that’s true today. Most people surprise themselves. / 6 Turn it into a plan Choose the down payment, then watch the system move. More down can reduce balance and PMI—but emptying savings is not automatically a win. Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation. From automated findings to clear to close. From first hello to keys, the typical arc — assuming the house-hunt cooperates. Put conventional beside the alternatives. Every buyer gets this comparison run on their actual numbers. Here’s the shape of it. Comparison of mortgage programs for conventional borrowers Program Min. down Credit starting point Mortgage insurance Shines when… Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together. The conventional fine print. Answered the way we’d answer a friend — including the parts that don’t favor us. Let’s find your best down-payment and PMI balance. Twenty minutes, free, and specific to your numbers — not the internet’s. Start my free plan Compare FHA · Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment. {socialEntries.length ? ( {socialEntries.map((s) => (
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