Down payments from 3%
Eligible primary-residence buyers may qualify with as little as 3% down.
Mortgage programs
The most flexible core of the mortgage market
Conventional financing covers primary homes, second homes and investment properties, with pricing driven heavily by credit, loan-to-value and property type.
Often a fit for
- Borrowers with solid credit profiles
- Buyers who want removable mortgage insurance
- Second home and investment purchases
How it works
What matters with conventional loans
Removable mortgage insurance
Unlike most FHA structures, conventional mortgage insurance can typically be removed once equity requirements are met.
Wide property eligibility
Single family, condo, townhome, multi-unit and second homes, subject to guidelines.
Worth knowing
Considerations before you commit
- Condo financing depends on project approval and reserve standards, which matter in parts of Florida.
- Pricing adjustments based on credit and loan-to-value can be significant.
Run the numbers
Model a full monthly payment, compare extra payments against investing, and explore what a program looks like in your actual scenario.
Related programs
Frequently asked questions
Next step
Want numbers based on your actual situation?
Book a short consultation with Chris or Jesse — no obligation, just a straight answer about your options.