The most common mortgage type — competitive rates and flexible options for qualified borrowers.
Conventional loans are not backed by the government, which means they typically require stronger credit and larger down payments — but they come with competitive rates, flexible terms, and fewer restrictions on property type.
Rose has access to conventional loan options from 200+ lenders, meaning she can shop for the best rate and terms for your specific profile.
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Conventional loans allow down payments as low as 3% for qualified first-time buyers, though larger down payments unlock better rates.
Unlike FHA loans, conventional loans have no lifetime PMI — it automatically cancels when you reach 20% equity.
Conventional loans can be used for primary residences, second homes, and investment properties.
2025 conforming loan limits are $806,500 (standard) and higher in high-cost areas. Beyond this is jumbo territory.
Borrowers with 740+ credit scores and 20%+ down payments typically qualify for the best conventional rates available.
Rose has access to Fannie Mae HomeReady and Freddie Mac Home Possible — programs with flexible qualifying for lower-income borrowers.
Contact Rose today for a free, no-obligation consultation.