Who this may fit
- Primary residences and second homes
- Condos and townhomes
- Borrowers with established credit
- Buyers choosing from several down payment options
Flexible home financing
Conventional Mortgages
A versatile mortgage option for primary homes, second homes, condos, townhomes, and many investment properties.
A strategy built around you
More options. Clear guidance.
Conventional loans are not insured by a government agency and can offer flexible terms for well-qualified borrowers. We shop across our lending partners to compare pricing, mortgage insurance, and buydown strategies.
Options we can explore
- Fixed-rate and adjustable-rate mortgages
- Low-down-payment options for eligible buyers
- Temporary and permanent rate buydowns
- Mortgage insurance options based on the loan structure
What to consider
- Rates and mortgage insurance are credit-sensitive
- Property type can affect eligibility
- Reserves may be required for second homes or investments
- Conforming loan limits apply
Common questions
Helpful answers before you begin.
What makes a loan conventional?
A conventional loan follows private lending guidelines instead of being insured by FHA, VA, or USDA. It can be used for several property and occupancy types.
When can mortgage insurance be removed?
Private mortgage insurance may be removed after you meet specific equity, payment-history, and loan requirements. The exact timing depends on the loan and applicable rules.
Can I use a conventional loan for a condo?
Yes, if both the borrower and condominium project meet the program requirements. We review the project early to reduce surprises.
Ready to build your mortgage strategy?