Conventional Loans

Mortgage loans from private lenders with flexible terms, competitive rates and down payments as low as 3-5%.

Flexible terms and repayment options • Competitive rates based on creditworthiness • As low as 3-5% down

What This Program Does — and Why It Matters

Conventional loans are the most widely used mortgage option in the country — and for good reason. Without government backing comes more flexibility, cleaner underwriting for qualified borrowers, and the ability to avoid mortgage insurance entirely with the right down payment. They are the straightforward path for buyers who meet the credit and income benchmarks.

Low Down Payment Entry

Down payments as low as 3-5% make conventional loans accessible for first-time buyers and those who prefer to keep more cash in reserve.

Rates Based on Your Creditworthiness

Competitive interest rates determined by your credit profile — borrowers with strong credit typically access the most favorable terms.

Flexible Loan Terms

Choose from a range of repayment periods and loan structures to match your financial goals and monthly budget.

No Government Insurance Required

With 20% down, no private mortgage insurance is required — giving strong-credit buyers a cleaner, lower-cost path to homeownership.

Who This Tends to Fit Best

Conventional loans work well across a wide range of borrowers — but they reward strong credit and financial preparation the most.

First-time homebuyers

Low down payment options make it a practical entry point for buyers stepping into homeownership.

Buyers with strong credit

Good credit translates directly into more competitive rates and better long-term cost.

Move-up and repeat buyers

Flexible terms and no government overlays make conventional a clean fit for experienced buyers.

20% down buyers avoiding PMI

Put down 20% and skip mortgage insurance entirely — keeping monthly costs as low as possible.

Why Work with Jamie Becker

With 21 years in the mortgage business, Jamie has guided borrowers through conventional loans at every price point — first purchases, move-up homes, investment properties and everything in between.

The goal is always the same: match the right structure to the right borrower, explain it clearly, and move efficiently. A conventional loan is often the cleanest path — and our team knows how to keep it that way.

Learn More About Jamie

Frequently Asked Questions

A conventional loan is a mortgage not insured or guaranteed by a government agency such as the FHA or VA. It is originated and serviced by a private lender, with terms based on the borrower's credit profile and financials.

Most conventional loans require a minimum credit score around 620, though stronger credit scores unlock better rates and terms.

Down payments can be as low as 3-5%. However, putting down 20% eliminates the requirement for private mortgage insurance.

If your down payment is less than 20%, private mortgage insurance (PMI) is typically required. It can be removed once you reach 20% equity in the home.

Conventional loans are not government-backed and typically require stronger credit. FHA loans are government-insured and allow lower credit scores, but require mortgage insurance for the life of the loan in most cases.

Yes. Conventional loans can be used for primary residences, second homes, and investment properties, subject to down payment and reserve requirements.

Important Program Notes

All loans subject to credit approval, income verification and program availability. Rates, terms and down payment requirements vary by borrower profile and lender guidelines.

Asset Qualifier Loans FHA Loans

The Straightforward Path to Homeownership

If you meet the credit and income benchmarks, a conventional loan is often the cleanest and most cost-effective option. Let us show you what it looks like for your situation.

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