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A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
A conventional mortgage is right for you if you have a credit score of 620 or higher, stable income, and can put at least 3% down. It offers the most flexibility in terms and the ability to drop mortgage insurance once you reach 20% equity.
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Min Credit Score
620+
Min Down Payment
3%
Max LTV
97%
Max DTI
45%
Loan Limits
$806,500 (2026 conforming limit; higher in high-cost areas)
PMI / MIP
PMI required if less than 20% down; removable at 20% equity
Occupancy
Primary, secondary, or investment property
We review your credit, income, and assets to estimate how much home you can afford and identify the best conventional program for your situation.
Complete your full application and submit W-2s, pay stubs, bank statements, and tax returns. We lock your rate and order the appraisal.
Our underwriting team verifies all documentation, reviews the appraisal, and issues a conditional approval with any remaining items needed.
Sign your final loan documents, wire your down payment and closing costs, and receive the keys to your new home.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.
Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Apply online in minutes or call us to speak with a loan advisor about your Conventional options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.