Conventional Loans


A Conventional Mortgage is a home loan that is not guaranteed or insured by a government agency, such as the Department of Veterans Affairs (VA), or the Federal Housing Administration (FHA). Conventional Mortgages can have a fixed rate or an adjustable rate. Conventional loan borrowers who put a 20% downpayment don’t have to pay for mortgage insurance, which is typically required with lower down payments or government-backed loans. Lenders view conventional loans as riskier because they are not guaranteed by the government if a buyer defaults, so these mortgages can have tougher requirements to qualify.



  • Allows smaller down payments

  • No Private Mortgage Insurance (PMI) with down payments of 20% or more

  • PMI can be removed once you reach 20% equity

  • Flexibility in terms – can select from a variety of repayment periods 

  • Can be used to buy primary residences, vacation homes and investment properties

  • Less strict property standards


We can help you compare a variety of loan products to find the perfect match for your individual situation.

Receive a quote on a Conventional loan


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