Conventional loans from 3% down, PMI that actually cancels, and pricing that rewards strong credit — see if the conforming box fits you.
Conventional Loans
Conventional loans from 3% down, PMI that actually cancels, and pricing that rewards strong credit — see if the conforming box fits you.
The workhorse, working for you .
PMI is temporary. Here’s the exit map.
Where conventional shines
Read the fine print with us
Conventional vs the field.
Getting one, step by step.
Conventional FAQ.
Good credit? Let’s make it pay you back.
Loan programs
Conventional is what most people picture when they say “mortgage” — and it quietly rewards preparation. Down payments from 3%, insurance that cancels itself, and pricing that pays you back for good credit.
I keep hearing 20% down or nothing.
Conventional starts at 3% down. PMI covers the gap — and it drops off at 20% equity. It’s a bridge, not a life sentence.
With your score, PMI might be smaller than you think. Want the real figure?
Delivered
Say you buy with 5% down. Your insurance has three milestones — and you can hit them early with extra principal or appreciation.
Three scenarios — 3%, 5% and 10% down — priced side by side for your actual numbers, in one reply.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
Explore
Programs
Talk to us
Replies 8am–8pm, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.
- navigate('/')} className="flex items-center gap-2.5 transition active:scale-95" aria-label= >
- navigate(l.path)} aria-current= className= style= >
- navigate('/contact')} className="ml-2 rounded-full px-5 py-2.5 text-sm font-semibold text-white shadow-sm transition hover:opacity-90 active:scale-95" style= >Get pre-approved
- setMenuOpen(true)}>
- setMenuOpen(false)} aria-label="Close menu" /> Menu
- } className= style= >
- } className= >
- } className="mt-5 w-full rounded-full py-3.5 text-center text-[15px] font-semibold text-white transition active:scale-[.98]" style= >Get pre-approved
- navigate('/contact')} className="rounded-full px-7 py-3.5 text-[15px] font-semibold text-white transition hover:opacity-90 active:scale-95" style= >Price my scenario
- navigate('/rate-buydowns')} className="rounded-full border border-zinc-300 px-7 py-3.5 text-[15px] font-semibold text-zinc-800 transition hover:border-zinc-400 hover:bg-zinc-50 active:scale-95">Pair with a buydown
- navigate('/fha-loans')} className="mt-5 flex items-center gap-1 text-sm font-semibold underline-offset-4 hover:underline" style= >Compare against FHA
- setOpenFaq(openFaq === i ? -1 : i)} aria-expanded= className="flex w-full items-center justify-between gap-4 px-5 py-4 text-left">
- navigate('/contact')} className="rounded-full px-7 py-3.5 text-[15px] font-semibold text-white transition hover:opacity-90 active:scale-95" style= >Run my three scenarios
- navigate('/refinance')} className="rounded-full border border-white/25 px-7 py-3.5 text-[15px] font-semibold text-white transition hover:bg-white/10 active:scale-95">Already own? Refinance
- navigate(l.path)} className="text-sm text-zinc-300 transition hover:text-white">
- navigate(p.path)} className="text-sm text-zinc-300 transition hover:text-white">