The workhorse, optimized
From 3% down for first time buyers to the sharpest pricing for strong files, conventional done right.
Conventional loans are the market standard for a reason: competitive rates, mortgage insurance that cancels, and terms from 10 to 30 years. The difference between a good conventional loan and a great one is who shops it, pricing varies more than most borrowers ever discover.
Pricing is a spectrum, not a number
Conventional pricing moves with credit score, down payment, property type, and loan size, in steps most borrowers never see. Sometimes a small strategy change, like two more points of down payment, jumps you a full pricing tier.
Mortgage insurance that leaves
Unlike FHA, conventional mortgage insurance cancels once you reach 20% equity, automatically at 22%. For buyers with less than 20% down, that difference compounds to real money.
First time buyer options
Programs with as little as 3% down exist specifically for first time buyers, sometimes with reduced mortgage insurance. If you qualify, they can beat FHA. We will run both and show you.
Built for
- Buyers with established credit
- Down payments from 3% to 20%+
- Buyers who want mortgage insurance that cancels
- Second homes and investment properties
No credit pull for your initial consultation
Fair questions, straight answers
It depends on your credit profile and down payment. Strong credit usually favors conventional; recent credit events often favor FHA. We price both on every eligible file, the numbers make the decision.
No, that is the most persistent myth in mortgages. Conventional loans start at 3% down. Twenty percent avoids mortgage insurance, but waiting years to save it often costs more than the insurance would.
The maximum conventional loan size, set annually per county. Above it, you are in jumbo territory, which we also shop. We will confirm your county’s current limit when we talk.
The best rate you will find is the one the market fights for.
Three minutes to start. No credit pull. No obligation. Real options from 175+ lenders.