The gold standard for homebuyers with strong credit. Competitive rates, as low as 3% down, no mortgage insurance with 20% down.
Conventional loans offer the best rates and flexibility for borrowers with good credit and stable income. No government backing means stricter underwriting but fewer restrictions.
As low as 3% for first-time buyers with qualifying income. Most buyers put down 5–10% to lower their PMI or avoid it altogether.
PMI automatically cancels when your loan balance reaches 78% of the original purchase price. You can also request removal at 80% LTV — call us and we'll walk you through it.
Most conventional loans require a 620+ score, but the best rates go to borrowers at 740+. We have access to lenders across the spectrum.
Yes — conventional loans can be used for primary residences, second homes, and investment properties. Down payment requirements and rates differ by property type.
The 2025 conforming loan limit is $806,500 for most of California. High-cost areas like Orange County have higher limits. Anything above these limits is a jumbo loan.
Pre-approval in 24 hours. No credit pull required at this stage.
Apply for Conventional Loan →