Conventional Loans

Conventional Loans Breakdown:

The most common, cleanest mortgage for most buyers.

As Little as 3% Down – Perfect for first-time or move-up buyers with strong credit.
No Upfront MI on 20%+ Down – Drop private mortgage insurance the moment you hit 20% equity.
Flexible & Fast – 21–30 day closings.
Gift Funds Welcome – 100% of down payment can come from family or grants.
Investment & Second-Home Eligible – Unlike FHA/VA, you can buy rentals or vacation homes.

Conventional Loan FAQ's

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What exactly is a conventional loan?

Any non-government mortgage backed by Fannie Mae or Freddie Mac. The gold standard for credit scores 620+.

How much do I need to put down?

As low as 3% for primary homes (5% for second homes or investment properties). Put 20% down and you skip mortgage insurance completely.

Can I remove mortgage insurance later?

Absolutely. Hit 20% equity (by payments or appreciation) and it drops off automatically or with a quick request.

How fast do conventional loans close?

21–30 days standard with the lenders I use.

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