Agency Financing · Fannie Mae / Freddie Mac

Conventional Loans

The standard, agency-backed mortgage — and for a well-qualified buyer, it’s usually the cleanest, most cost-effective path to a home.

If your credit and income fit the box, this is often the right loan. If they don’t quite, we’ve got you covered too.

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Who It Fits

Who a conventional loan is for.

Conventional loans reward strong profiles: solid credit, steady documented income, and a manageable debt load. They work for primary homes, second homes, and investment properties, up to the annual conforming loan limit.

If that’s you, you’ll usually pay less here than on a government or specialty loan.

What Makes Them Worth It

The strengths of the conventional path.

As little as 3% down for first-time buyers — via Conventional 97 / Fannie HomeReady / Freddie Home Possible, a qualified first-time buyer can get in with just 3% down — lower than FHA. (See the representative example below.)
Flexible down payment + droppable PMI — put more down to strengthen the file. A larger down payment (or reaching enough equity later) lets you drop private mortgage insurance — unlike some loans where mortgage insurance never goes away.
Primary, second, or investment — one loan type, many uses.
Efficient for strong credit — the better your profile, the more a conventional loan tends to work in your favor.

If Conventional Doesn’t Fit

If you’re close but not quite.

Great income the tax returns don’t show? Self-employed? Buying a rental? Conventional isn’t your only door — we also run Non-QM and bank-statement loans and DSCR loans, and we’ll tell you honestly which path is strongest for you.

Not sure which loan? That’s our job.

Conventional Loans

Who a conventional loan is for.

The strengths of the conventional path.

If you’re close but not quite.

Start with a conversation.