Conventional loans from 3% down, PMI that actually cancels, and pricing that rewards strong credit — see if the conforming box fits you.
Russell Petty, Founder
Broker Marketplace
Email: [email protected]
NMLS# 1509681
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Conventional loans from 3% down, PMI that actually cancels, and pricing that rewards strong credit — see if the conforming box fits you.
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.
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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.