Conventional Loans

• Lower rates with maximum flexibility 

• Down payments as low as 3% 

• 21-Day Guaranteed Close

• Less paperwork needed

• Applicable to most property types

• Available first time or seasoned homebuyers

• Choice of Fixed-Rate or Adjustable-Rate Mortgages

• Choice of term: 15-30 years loans

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A Fixed=Rate Mortgage has an interest rate that remains the same for the life of the loan. An Adjustable-Rate Mortgage is a home with an interest rate that can change periodically.

• Minimum 620 credit score 

• Flexible qualification guidelines

• Gifts allowed 

• Co-Borrowers allowed

• U.S. Citizen, permanent and non-permanent resident alien status allowed

• DACA and A12 eligible 

• Fannie Mae HFA Preferred

• Freddie Mae HFA Advantage

• Income limit requirements

• Access to special home loan solutions, including:​

• Fannie Mae 3% down for First-Time Home Buyers (FTHB)

• Freddie Mac Home One

• Standard mortgage insurance 

• No income limit requirement

• Note: You can qualify as a first-time homebuyer if you owned a home more than three years ago.

• No upfront mortgage insurance fee for additional savings

• Less expensive monthly insurance payments than most other home loans