Loan Programs

Conventional Loans: Your Path to Homeownership

Conventional loans remain the most popular mortgage option for homebuyers across America, offering flexibility, competitive rates, and a straightforward path to homeownership.

First-Time Homebuyer Programs

Our conventional loan programs include special provisions for first-time homebuyers with as little as 3% down payment (on eligible property types). These enhanced programs are designed to make homeownership accessible while maintaining competitive interest rates and flexible terms.

Key Benefits:

• Down payments as low as 3% for qualified first-time buyers (not available on 2–4 unit properties)
• Enhanced terms for income-qualified buyers
• Government-sponsored agency support
• Competitive interest rates

Traditional Conventional Financing

For established buyers, traditional conventional loans offer excellent terms with proven qualification standards. These loans provide the foundation for building wealth through real estate ownership.

Multifamily Opportunities (2–4 Units, Primary Residence)

Invest in your future with our multifamily conventional loan options. With 5% down for primary residence use, you can become a homeowner while potentially generating rental income from additional units.

Program Highlights:

• Minimum Down Payment: 3% (eligible first-time buyers, non-multifamily) / 5% (2–4 unit primary residence)
• Property Types: Single-family, condos, townhouses, 2–4 unit properties

Why Choose Conventional?

Conventional loans offer unmatched flexibility in terms, property types, and loan amounts. Whether you're purchasing your first home or expanding your real estate portfolio, conventional financing provides the solid foundation you need to achieve your goals.

Contact us today to explore how conventional financing can work for you.