CONVENTIONAL LOANS

Simple, Powerful, Flexible

Think of a conventional mortgage as the “all-terrain” loan: it adapts to first homes, cabins on the lake, and even small rental portfolios—all while keeping your rate sharp and your rules familiar. Put down as little as three percent, choose a fixed or ARM term that matches your timeline, and watch private mortgage insurance fall away the moment your equity hits that twenty-percent sweet spot.

Credit solid? Income steady? You’re already most of the way there. Fannie Mae and Freddie Mac let debt ratios climb into the fifty-percent range when the rest of your file is strong, so real-world budgets still qualify. Gift money counts toward the down payment, and there’s never a penalty for paying extra or refinancing later.

Turnaround is quick: approvals in about a day, closings in a few weeks, and every step delivered with clear numbers and zero jargon. If you want a loan that’s as straightforward as it is versatile, a conventional mortgage is the move.

Ready, Set, Own—let’s run your personalized conventional quote today.