Explore Conventional Loans

Looking for a traditional mortgage option with competitive interest rates and low down payment requirements? Our Conventional Standard Loan is a top choice for creditworthy homebuyers seeking a straightforward path to homeownership. Fully compliant with Fannie Mae (FNMA) and Freddie Mac (FHLMC) guidelines, this program offers flexibility, affordability, and great benefits.

✔ Loan amounts up to $806,500 – Ideal for a wide range of homebuyers
✔ FICO Score as low as 620 – More accessibility for borrowers
✔ Up to 97% Loan-to-Value (LTV) – Buy a home with just 3% down
✔ Debt-to-Income (DTI) ratio up to 50% – Greater purchasing power
✔ Minimum 3% down payment – Less cash needed upfront

✅ Temporary Rate Buydowns Available – Reduce initial mortgage payments
✅ No Overlays with FNMA/Freddie Mac – Easier qualification process
✅ Mortgage Insurance (MI) Can Be Canceled – Save on long-term costs

Take the next step toward affordable homeownership with a Conventional Standard Loan. Contact us today to discuss your mortgage options and secure the best rates!

Take advantage of historically low interest rates with FNMA’s RefiNow Program, a cost-effective refinancing solution designed to help eligible homeowners lower their monthly mortgage payments. If you have an existing Conventional loan owned or securitized by Fannie Mae (FNMA), this program makes refinancing easier and more affordable—even with a high Debt-to-Income (DTI) ratio.

✔ Income at or below 100% of the Area Median Income (AMI)
✔ Existing Conventional loan owned/securitized by Fannie Mae
✔ Credit score of at least 620

✅ Reduce Monthly Mortgage Costs – Access lower rates for long-term savings
✅ Debt-to-Income (DTI) Up to 65% – Expanded eligibility for borrowers
✅ Loan-to-Value (LTV) Up to 97% – High LTV refinancing available
✅ Maximum Loan Amount: $647,250 – Covers a wide range of home values
✅ Fixed-Rate Mortgage Only – Stability with predictable payments
✅ $500 Credit for Required Appraisals – Lower upfront costs
✅ Non-Owner Occupied Properties Eligible – Greater refinancing flexibility
✅ DU Underwrite Only – Streamlined qualification process

💰 Lower interest rates = bigger savings
📉 Reduce your debt-to-income ratio for better financial flexibility
🔓 Unlock refinancing even with limited income or higher DTI

Don’t miss this opportunity to refinance at a lower rate and save on your monthly mortgage payments. Contact us now to check eligibility and start your application!