Conventional Home Loans
Conventional loans are not backed by the government.
Conventional loans are not guaranteed or insured by the U.S. Department of Veterans Affairs (VA) or Federal Housing Administration (FHA). The majority of conforming conventional loans follow the mortgage guidelines established by the government-sponsored entities known as Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation).
Conventional mortgages with less than 20% down require private mortgage insurance. Since conventional loans are not insured by the federal government, there is no guarantee for the lender if the borrower defaults on mortgage payments. These loans are considered higher risk for lenders and generally have more restrictive underwriting guidelines than government-backed loans.
Loan Options
Learn about different loan programs.
Conventional Loans
Conventional loans are not backed by the government. Learn more about our conventional loan options.
FHA loans
An FHA loan is a government-backed loan insured by the Federal Housing Administration. Learn more about FHA.
VA Loans
We're proud to serve those who serve our country. Learn more about our VA Loan options for Veterans.
Refinance
Know your options for paying off your mortgage. See if refinancing makes sense for you.
Renovation Loans
Whether it's a fixer upper or a home you've lived in for years, a renovation loan may be just what you need.
Down Payment Assistance
Looking for a little assistance with your down payment?
Jumbo Loans
With today's low interest rates, jumbo loans have become increasingly popular.
