Conventional

Flexible financing for a primary home, second home, or eligible investment property.

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How it works

Conventional loan overview

A conventional mortgage is not insured by a federal agency. Options vary by down payment, occupancy, property type, and loan size.

Who may want to explore it

Buyers who want to compare several fixed-rate or adjustable-rate structures.

Features to review

Some eligible purchase programs allow a lower down payment.
Private mortgage insurance may apply with less than 20% down.
A property and borrower review determines the loan structure.

Before you decide

Credit, income, assets, property use, and loan amount affect eligibility.
Ask how the payment and mortgage insurance may change over time.

Compare the whole cost.

Ask for a personalized estimate with the rate, APR, monthly payment, cash to close, and program-specific fees. Terms and approval depend on your loan and lender review.

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