Loan Program
Conventional Loans
Conventional loans are mortgages that are not insured or guaranteed by a government agency. They are one of the most common financing structures for primary residences, second homes, and some investment properties.
Who it may be appropriate for
- Borrowers with established credit histories
- Buyers with documented, stable income
- Homeowners looking to refinance an existing mortgage
Potential benefits
- A wide range of term and structure options
- Mortgage insurance may be removable once equity requirements are met
- Available for primary, secondary, and certain investment properties
Important considerations
- Credit and income documentation requirements are generally stricter than government programs
- Down payment requirements vary by property type and occupancy
- Mortgage insurance may apply below certain equity thresholds
General qualification factors
- Credit profile
- Debt-to-income ratio
- Down payment and equity
- Property type and occupancy
- Documented income and assets
Frequently asked questions
Program information is general in nature and is not a commitment to lend, an offer of credit, or a guarantee of eligibility, rates, or terms. All loans are subject to application, underwriting review, and program guidelines.
Next steps
Ready to Take the Next Step?
Whether you’re buying, refinancing, or exploring your options, we’re here to help you understand the path forward.