Loan Program

Conventional Home Loans

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Is a conventional loan right for you?

If you’re looking for a mortgage with low fees, a conventional home loan may be a good option for you. If you are eligible, there are a number of benefits.

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Mortgage Home Loan

Benefits of a conventional loan

  • Save Money: With a down payment of 20% or more, you won’t need to pay for mortgage insurance.
  • Flexible Terms: Choose what mortgage term works best for you! Options include 30, 20, 15, and 10 year terms.
  • Low Down Payment Option: It’s possible to take out a conventional loan with a down payment of just 3%.

Conventional loan eligibility requirements

  • A good credit score of 620 or higher
  • A down payment which can be as little as 3%
  • Consistent and documented income
  • A low debt-to-income ratio
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