What is a Conventional Loan?
A conventional loan is a mortgage that is not insured or guaranteed by the federal government. These loans are offered by private lenders and generally conform to the underwriting guidelines established by Fannie Mae and Freddie Mac, although non-conforming options are also available.
Conventional financing is often an excellent choice for borrowers with strong credit profiles and can be used for primary residences, second homes, and investment properties.
Conventional Loan Programs We Offer
Home Purchase Loans
Finance the purchase of a primary residence, second home, or investment property with competitive rates and flexible loan options.
Rate & Term Refinance
Replace your existing mortgage with a new loan to potentially lower your interest rate, reduce your monthly payment, or change your loan term.
Cash-Out Refinance
Access the equity you've built in your home to finance renovations, consolidate debt, invest in additional real estate, or meet other financial goals.
First-Time Homebuyer Programs
We work with qualified first-time buyers to identify financing solutions that make homeownership more accessible.
Low Down Payment Options
Qualified borrowers may be eligible for conventional financing with low down payment requirements, making it easier to purchase a home while preserving savings.
Jumbo Loans
Financing solutions for higher-value properties that exceed conforming loan limits, with competitive options available for qualified borrowers.
Second Home Financing
Whether you're purchasing a vacation home or seasonal residence, we offer financing options designed for second-home buyers.
Investment Property Loans
Finance single-family homes, condominiums, townhomes, and multi-unit residential investment properties with conventional financing options.
Benefits of Conventional Financing
