Dozens of Options. One Perfect Match.
With dozens of conventional loan variations available through Fannie Mae and Freddie Mac, choosing the right product can feel overwhelming. That's where our expertise transforms complexity into clarity. We don't just offer you loan options—we engineer the perfect financing solution based on your property goals, financial profile, and long-term wealth-building strategy.
Available Programs
Loan Terms Options
- 10-Year Fixed
- 15-Year Fixed
- 20-Year Fixed
- 25-Year Fixed
- 30-Year Fixed
Rate Type Options
- Fixed
- 5/1 ARM
- 7/1 ARM
- 10/1 ARM
- Interest-Only Options
Specialized Programs
- Construction / Reno
- Jumbo Conventional
- Low Down Payment Programs
- First-Time Buyer Specials
Investment & Refinance
- Investment Property Loans
- Cash-Out Refinance
- Rate-and-Term Refinance
- Portfolio & Professional Loans
Why Conventional Loans Power Smart Property Decisions
Conventional loans offer the most flexibility and competitive terms for property buyers who qualify. Whether you're securing a primary residence, adding to your investment portfolio, or refinancing existing properties, conventional financing provides the foundation for strategic real estate ownership. With loan amounts up to $766,550 (and higher in expensive markets), these products serve everyone from first-time buyers to seasoned investors.
Basic Qualification Framework
Credit Requirements
- Minimum 620 credit score for most programs (but not all)
- 640+ for optimal rates and terms
- Higher scores unlock better pricing and lower down payments
Down Payment Options
- As low as 3% for primary residences
- 5-10% for strong borrower profiles
- 15-25% for investment properties
- Gifts Allowed
Income & Employment
- Documented income history (typically 2 years)
- Debt-to-income ratios up to 45-50%
- Self-employed borrowers welcome with proper documentation
- Multiple income sources accepted
Property Eligibility
- Primary residence, second home, investment property
- 1-4 unit property
- Condo, townhome, manufactured home
Let Our Team Navigate the Options
Your situation is unique, and every property goal requires different loan features. Our loan specialists analyze your financial profile, property objectives, and timeline to recommend the optimal combination of rate, term, and down payment. Why guess when you can have certainty?
Ready to explore your conventional loan options? Contact our team for a personalized analysis that matches your property ambitions with the right financing solution.
**All loans subject to credit approval. Terms and conditions apply. Fannie Mae and Freddie Mac guidelines determine final loan parameters.