Loan Program
Conventional Loans
Flexible Fannie Mae & Freddie Mac financing for qualified borrowers.
Overview
Conventional loans are not government-insured and follow guidelines set by Fannie Mae and Freddie Mac. They offer flexibility in property type, down payment, and PMI removal — making them a great fit for borrowers with good credit.
Key Benefits
- As little as 3% down
- PMI cancels at 20% equity
- Loan terms from 10–30 years
- Available for primary, second home & investment
- Fast underwriting
Qualification Highlights
- FICO 620+
- DTI typically up to 45–50%
- Stable income with 2-year history
- Down payment requirements vary by property type
Frequently Asked Questions
Conventional PMI automatically terminates at 78% LTV and can be requested at 80%.
Questions about Conventional Loans?
A licensed loan officer will walk you through your options — no obligation.