◈ Conventional financing
Conventional loans, priced properly.
The workhorse loan. Best pricing for strong credit, as little as 3% down.
3% down
Minimum down payment
620+ FICO
Typical credit floor
21 days
Average close
What you get
Program highlights
Fixed 10–30 year terms and 5/6, 7/6, 10/6 ARMs
Drop mortgage insurance at 20% equity — no refinance required
Loan amounts to the current conforming limit, high-balance in eligible counties
Gift funds allowed for the full down payment on primary residences
Who it's for
Best fit
Buyers with solid credit who want the lowest long-run cost.
Not sure this is your lane? That's a five-minute conversation, and we'll tell you straight if a different program serves you better — including one that pays us less.
Check my eligibilityCompare
Other programs worth a look
◆
FHA
Government-backed flexibility for thinner credit files and tighter budgets.
Explore FHA →
★
VA
Earned benefit financing for service members, veterans, and surviving spouses.
Explore VA →
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Jumbo
Financing above conforming limits, priced through our portfolio desk.
Explore Jumbo →
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DSCR / Investor
Qualify on the property's rent, not your tax returns.
Explore DSCR / Investor →
Find out what you actually qualify for.
A soft-pull pre-approval takes about twelve minutes and does not ding your credit. You'll leave the call knowing your number, your payment, and your closing timeline.