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Conventional Home Loans

Conventional mortgage loans may be the type of home loan you are most familiar with to purchase a new home. We offer dozens of conventional mortgage loan programs.

Conventional Mortgages Hand-Picked For You

With a range of different options to suit individual and family lifestyles & income, our conventional home loans are hand-selected to offer competitive rates, a wide range of solutions, and the specific service you need to get the right home loan for your financial situation. 

Learn more about some of our mortgage popular conventional mortgage loan programs or fill our quick mortgage quiz to get started today. Feel free to contact us at anytime to discuss your mortgage situation.

Popular

Conventional Mortgage Loan Programs

Conventional Home Loan

Home One

Rennovation Loan

Home Possible

Home Ready

More Options

Our Conventional Mortgage Loans include:

Home One

Dreaming of homeownership but still saving for a down payment? You may now be able to purchase with a Home One mortgage. It only requires a 3% down payment, and you’re not limited to a traditional residence. You may qualify with a minimum 620 FICO score. Several property types are allowed, including single-family homes, condos, modular homes, one-unit co-ops, manufactured homes, and homes in Planned Unit Developments (PUDs). Homebuyer education is required and helps you prepare for the responsibilities of a mortgage. 

Rennovation Loan

Remodel, renovate or repair your home with a Renovation loan from Fannie Mae. Also available for new and existing homes – even new construction. You may qualify for renovation fund amounts from $5,000 up to 75% of your home’s post-renovation value. Lower closing costs, since you’re closing a single transaction. Several property types are allowed, including single-family homes, 2-4 unit properties, modular homes, second homes, and homes in Planned Unit Developments (PUDs). Fixed- and adjustable-rate mortgage options.

Home Possible

This loan program is a Freddie Mac program designed to bring homeownership within reach to more borrowers.

This program offers low down payments and easier credit scores. Down payments of as low as 3%. Credit scores as low as 620 are accepted. Several property types are allowed, including single-family homes, 2-4 unit properties, modular homes, condominiums and homes in Planned Unit Developments (PUDs). Temporary buydowns can reduce your starting interest rate for 1-2 years. Homebuyer education is required for first-time buyers.

Home Ready

These loans reduce the typical down payment and mortgage insurance requirements. They’re also more flexible with co-borrower requirements, including allowing co-borrowers who won’t be living in the home. For example, parents can co-sign a loan to help their adult children get approved. Down payments as low as 3%. Credit scores as low as 620 are accepted. Permits family or friends to co-sign the loan. Several property types are allowed, including single-family homes, 2-4 unit properties, modular homes, condominiums and homes in Planned Unit Developments (PUDs). Homebuyer education is required.

Elite

You’ve built outstanding credit. You deserve an outstanding rate. Take advantage of some of the lowest rates in the country. 700+ credit score/$125,000+ loan amount. Eligible for primary, secondary, and investment properties. Property inspection waivers honored. Hit contract dates with fast turn times.

Flex-Term

Get a better rate without extending your term. Flex-term refinancing helps you manage your budget and timeline. Refinance without resetting your rate. Modify your loan to fit your budget. Potentially save thousands of dollars in interest. Available on conventional, FHA and VA loan products.

More Conventional Mortgage Loan Options

We provide dozens of conventional mortgage loan programs and there’s always something unique for every buyer’s situation. Contact us today to start your mortgage pre-qualification and soon discover your mortgage options. Give us a call at 585-288-2930 or send us a message, our team is ready to help.

Start Your Mortgage Pre-Qualification

Fill out the form below

Just fill out the quick mortgage form below to give our team a little information about your situation and we’ll be in touch right away to start your mortgage pre-qualification.  After completing the form below, someone from our mortgage team will contact you back within 1-2 business days.

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