Most popular
Conventional
Not backed by a government agency. Great rates and flexible terms for buyers with solid credit.
A conventional loan is a mortgage that isn’t insured or guaranteed by a government agency like the FHA, VA, or USDA. It’s the most common type of home loan, and can be used for buying a home or refinancing an existing mortgage.
Conventional loans typically require a stronger credit profile than government-backed loans, but they offer competitive rates, flexible terms, and the ability to avoid mortgage insurance entirely once you’ve built enough equity.
You can choose between a fixed-rate loan, where your interest rate stays the same for the life of the loan, or an adjustable-rate mortgage (ARM), which typically starts with a lower rate for an initial period before adjusting periodically based on market conditions. We’ll help you weigh the two based on how long you plan to stay in the home.
We shop multiple lenders to find you a conventional loan with a rate and terms that fit your budget - not a one-size-fits-all offer.
Ready to see if Conventional is the right fit for you?