Conventional Loan
Loan benefits
- Choose from various term lengths to find a payment plan that fits your budget.
- Access some of the most competitive rates in the market for substantial long-term savings.
- Enjoy lower PMI than many government-backed loans if you put down 20% or more.
- Refinance for a lower interest rate or shorter loan term without additional fees.
- Suitable for purchasing high-priced or luxury properties not covered by government loans.
- Eligible for purchase of rental and investment properties.
- Experience a smoother closing process with straightforward property appraisal requirements.
Eligibility requirements
- Must have a credit score of 620 or higher.
- Minimum of 3% down, but 20% to avoid PMI.
- DTI less than 50% is preferred.
- Stable income and employment history required.
- Must purchase a primary residence.
- Eligible property types include single-family homes, condos, and multi-unit properties.
- Must not exceed the conforming loan limit set by FHFA.
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