Conventional Loan

Best for buyers with stable finances

Conventional loans are ideal for those with a solid credit history and stable finances.

They offer competitive rates, flexible terms, and fewer restrictions compared to government-backed loans.

Benefits

  • Specialized pricing for eligible first time home buyers

  • Lower interest rates keep your payments affordable.

  • Flexible loan terms to fit your goals.

  • No upfront mortgage insurance saves on initial costs.

  • Higher loan limits for more expensive properties.

  • Faster closing times with streamlined approval.

  • Down payment options as low as 3%.

  • No specific property requirements, giving you more freedom.

  • No appraisal required for eligible properties.

Eligibility requirements

  • Stable income and employment history of at least two years.

  • Minimum credit score of 620.

  • Debt-to-income ratio of 50% or less.

  • Down payment of at least 3%.

  • Adequate cash reserves for down payment and closing costs.

  • Private mortgage insurance (PMI) if down payment is less than 20%.

  • Property must meet appraisal value for financing.

Other loans

  • Home Advantage 3

    Best for first-time homebuyers and repeat homebuyers.

    • Down payment as low as 3%

    • No mortgage insurance ever

    • Below market interest rates

  • Profit And Loss Only Loan

    For business owners who prefer to use profit and loss statements instead of tax returns.

    • Business-focused

    • Simplified documentation

    • Faster qualification

  • Investor Loan

    Best for real estate investors seeking financing for rental properties

    • Flexible qualification requirements

    • Up to 80% of the property value

    • Primary residence not required

  • Jumbo Loan

    For high-value properties needing larger loans that exceed conforming limits.

    • Higher loan limits

    • Competitive rates

    • Flexible repayment options

  • Conventional Loan

    A solid option for most homebuyers who have a good credit score and a stable down payment.

    • Flexible terms

    • Low interest rates

    • No surprises