Conventional

Conventional Loan Programs

Discover Our Conventional Loan Options:

• Down Payment Options:

  • Minimum down payment of 3% or 5%.
  • Choose from options with low mortgage insurance or no mortgage insurance.

• Loan Types:

  • Conforming Loans: Meet the guidelines set by Fannie Mae and Freddie Mac.
  • Jumbo Loans: For loan amounts exceeding the conforming loan limits.
  • HomeReady® (Fannie Mae): Low down payment options, reduced mortgage insurance costs, and flexible sources for down payment.
  • Home Possible® (Freddie Mac): Low down payment options, flexible credit requirements, and reduced mortgage insurance costs.

• Rate Options:

  • Fixed-Rate Loans: Enjoy stable monthly payments throughout the life of the loan.
  • Adjustable-Rate Loans: Benefit from lower initial rates that adjust periodically.

• Refinance Options:

  • Cash-Out Refinance: Access the equity in your home for additional financial needs.
  • DU Refi Plus: Streamlined refinancing option for Fannie Mae loans.
  • HARP 2.0: (Home Affordable Refinance Program) Designed for homeowners with high loan-to-value ratios.

Contact us today to explore the best Conventional loan options for you, including specialized programs like HomeReady® and Home Possible®!