For borrowers with solid credit and stable income, a conventional loan is often the most straightforward path to homeownership — and typically comes with the most competitive rates.
Conventional loans aren't backed by a government agency, which means fewer restrictions on property types and loan structures. With flexible down payment options for qualifying borrowers and no upfront mortgage insurance premium, they're often the most cost-effective option over the life of the loan.
As an independent broker, I shop your scenario across multiple wholesale lenders to help you find a competitive rate from the wholesale market — not just the rate one bank happens to offer.
A Great Fit If You're…
- You have good to excellent credit
- Stable employment and documented income
- Purchasing or refinancing a primary home, second home, or investment property