Home Loan Options
Conventional Loans
The most common type of mortgage in the U.S. — not insured or guaranteed by a government agency, with flexible terms and competitive rates for qualified buyers.
Highlights
What makes this loan a good fit.
Down payments from 3%
Qualified buyers can put as little as 3% down on a primary residence.
Drop PMI at 20% equity
Unlike FHA, private mortgage insurance can be removed once you reach 20% equity.
Flexible terms
Choose 10, 15, 20, or 30-year fixed terms, or adjustable-rate options.
Higher loan limits
Borrow up to the conforming loan limit set annually by Fannie Mae and Freddie Mac.
Primary, second, or investment
Use a conventional loan for a primary home, vacation property, or rental investment.
Competitive rates
Strong credit and steady income unlock some of the best rates available.
Best for
Is this the right loan for you?
Every situation is different. Call Erin and we'll walk you through the trade-offs and find the loan that actually fits your goals.
- Buyers with a credit score of 620 or higher
- Borrowers with steady employment and a manageable debt load
- Anyone who wants to avoid long-term mortgage insurance
- Buyers purchasing a second home or investment property