Loan Program
Conventional Loans
The classic path to homeownership.
Overview
Backed by Fannie Mae or Freddie Mac, conventional loans offer competitive rates, flexible terms, and the ability to drop PMI once you reach 20% equity.
Benefits
- As little as 3% down for qualifying first-time buyers
- PMI removable at 20% equity
- Loan terms from 10 to 30 years
- Great for strong-credit borrowers
Typical Requirements
- 620+ FICO score (higher for best rates)
- Debt-to-income ratio typically under 45%
- Verifiable income and employment history
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