CONVENTIONAL MORTGAGES
The Gold Standard in Home Financing
Competitive Rates, Flexible Terms, and Fast Approval for Qualified Borrowers
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Find the perfect conventional mortgage for your home. Quick pre-qualification in minutes.
✓ Fast approval • ✓ Competitive rates • ✓ Expert guidance
Conventional Loan Programs
30-Year Fixed
The most popular mortgage option. Stable monthly payments for 30 years with predictable budgeting.
- Fixed interest rate for entire loan term
- Lower monthly payments than shorter terms
- Up to 97% LTV available
15-Year Fixed
Build equity faster with a shorter loan term. Higher monthly payments but significantly less interest paid.
- Pay off home in 15 years
- Lower interest rates than 30-year
- Significant interest savings
Adjustable-Rate Mortgages (ARMs)
Start with a lower rate that adjusts after the initial fixed period. Great for short-term homeowners.
- Lower initial rates (3/1, 5/1, 7/1, 10/1)
- Lower initial monthly payments
- Rate caps protect against excessive increases
Conventional VOE
Verification of Employment alternative for self-employed and non-traditional income borrowers.
- Flexible income documentation
- Bank statements accepted
- Faster approval process
Why Choose Conventional Mortgages?
Competitive Rates
Some of the lowest rates available in the mortgage market for qualified borrowers.
Fast Approval
Streamlined underwriting process with quick turnaround times and clear guidelines.
Flexibility
Multiple options to fit your financial situation and homeownership goals.
Qualification Requirements
What We Look For
- Credit Score
Typically 620+ (better rates with 740+)
- Debt-to-Income Ratio
Generally 43% or lower
- Employment History
2 years of stable employment
- Down Payment
As low as 3% with approved programs
Documentation Needed
- Tax Returns
Last 2 years of personal and business (if applicable)
- Pay Stubs
Last 30 days of income documentation
- Bank Statements
Last 2 months to verify reserves
- Credit Report
Authorized pull during application