Conventional loans typically offer lower overall borrowing costs for those with higher credit scores. They also come with customizable loan terms—whether you want the stability of a fixed-rate mortgage or the initial savings of an adjustable-rate mortgage (ARM), we’ll help you choose what fits best.

With a 20% down payment, borrowers can avoid paying mortgage insurance altogether. Even if you put down less, PMI can be canceled once you’ve built 20% equity—making conventional loans a cost-effective choice long-term.

These loans are also ideal for refinancing. If you already own a home and are looking for better terms or to consolidate debt, a conventional refinance may offer you reduced rates or a cash-out option.

The underwriting process is typically straightforward for borrowers with strong credit, steady income, and manageable debt. We help ensure your documents are prepared and submitted efficiently so your loan closes smoothly.

With personalized support from start to finish, our team ensures your conventional mortgage experience is fast, transparent, and designed around your financial vision.

✔️ Key Benefits of Conventional Loans:

• Competitive interest rates for strong-credit borrowers

• Variety of fixed and adjustable loan terms

• Available for primary, second, and investment properties

• Option to eliminate PMI after reaching 20% equity

• Ideal for both purchases and refinances