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Buy a home
Explore financing for a primary residence, eligible second home, or investment property.
Loan Programs / Conventional Loans
Home purchase & refinance
Conventional Home Loans. More possibilities.
Buying your next home or refinancing the one you own? Conventional financing offers flexible options to fit a wide range of homeownership goals.
Purchase or refinanceLow down payment optionsPersonal guidance
Why conventional?
Financing that works for your next chapter
Conventional mortgages are not insured by the FHA or guaranteed by the VA or USDA. They can be a strong fit for borrowers with established credit and stable finances.
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Refinance
Review options to change your loan terms, access equity, or adjust your monthly payment.
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Flexible choices
Some qualified buyers may be eligible for as little as 3% down, depending on the program.
The basics
What should you know before applying?
Conventional loans can be a great fit, but the right choice depends on your credit, income, savings, property and long-term plans.
- Down payment: Some programs offer 3% down for eligible borrowers; others require more.
- Credit: Credit requirements vary by lender and loan program.
- Mortgage insurance: Private mortgage insurance (PMI) is often required with less than 20% down.
- Loan limits: Conforming loan limits vary by county and year; jumbo options may have different guidelines.
Quick answers
Common questions about conventional loans
Do I need 20% down to buy a home?
No. Some conventional programs allow eligible borrowers to put as little as 3% down. A down payment below 20% typically requires PMI.
Can I refinance with a conventional loan?
Yes. Conventional refinancing may help you adjust the loan term, change the rate, or access equity, subject to eligibility and costs.
Are conventional loans only for first-time buyers?
No. They are available to eligible first-time and repeat homebuyers, and some programs cover second homes and investment properties.
How do I know if conventional is right for me?
A loan advisor can compare conventional options with FHA, VA, USDA and other programs based on your goals and qualifications.
Ready for the next step?
Let's find the right conventional loan for you.
Whether you're purchasing or refinancing, we'll help you understand your options without overwhelming you with mortgage jargon.
Start with a simple conversation
Tell us about your home financing goals through our loan application or contact our team directly.
Loan Application →Contact UsApplying does not guarantee approval. Loan options, rates, terms and eligibility are subject to underwriting and lender guidelines.
