Loan Program
Conventional Financing With Room to Compare
Conventional loans are widely used for primary residences, second homes, and investment properties. The best structure depends on credit, down payment, mortgage insurance, property type, and the borrower's broader goals.
What this program is
Conventional loans are used for primary residences, second homes, and investment properties across a wide range of borrower profiles.
Credit, down payment, mortgage insurance, and property type all influence which structure makes the most sense.
Who it tends to help
- First-time and repeat buyers
- Borrowers buying a primary residence
- Qualified second-home buyers
- Qualified real-estate investors
- Homeowners considering a conventional refinance
Potential benefits
- Multiple down-payment structures may be available for qualified borrowers.
- Fixed- and adjustable-rate options may be available.
- Private mortgage insurance can help qualified buyers purchase with less than 20% down.
- Conventional financing can work across several occupancy types.
Honest considerations
- Credit profile, reserves, debt-to-income ratio, and property type affect available options.
- Mortgage insurance may apply when equity or down payment is below program thresholds.
- A larger down payment is not automatically the right decision for every borrower.
Questions
Conventional Loans questions, answered
Eligibility, program guidelines, and terms vary by borrower, property, and transaction. Approval depends on a full review of credit, income, assets, debts, the property, and underwriting.
Last reviewed August 1, 2026. Guidelines change — confirm current requirements before relying on anything here.
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