What is a conventional loan?

A conventional loan is a mortgage not insured or guaranteed by a government agency. Depending on the loan and property, it can be used to buy a primary residence, second home, or investment property.

Conventional programs vary in down payment, term length, and mortgage-insurance requirements. The right fit depends on your credit, income, assets, property type, occupancy, and loan amount.

This may be worth exploring if you:

• Want to buy a primary residence, second home, or eligible investment property

• Have documented income, assets, and credit that support the application

• Want to compare down-payment and term options

• Are considering refinancing an existing mortgage

Common uses

• Buying a primary home

• Purchasing a second home

• Financing an eligible investment property

• Refinancing an existing mortgage

What to expect

Your application will typically be reviewed for credit, income, employment, assets, debts, property value, and occupancy, along with other underwriting requirements. If your down payment is below a certain threshold, mortgage insurance may apply.

I'll help you compare available programs, understand what documentation you'll need, and choose a path that fits your goals. Final terms and approval are determined by the lender and underwriting.

Let’s look at the full deal.

Bring the property details, numbers, and your goal. I will help you identify potential financing paths and prepare for the lender conversation.