Conventional Loans

Conventional loans are mortgages that follow the guidelines set by Fannie Mae and Freddie Mac. Unlike government-insured loans, these programs are designed for buyers who have a more established credit history and the ability to meet standard income and asset requirements.

This type of loan is often chosen by buyers who can provide a higher down payment, maintain consistent income, and demonstrate stronger credit profiles. Conventional financing may offer greater flexibility in loan structure, competitive interest terms, and the ability to avoid certain long-term insurance requirements, depending on the down payment and borrower profile.

For many homebuyers, Fannie Mae and Freddie Mac loan programs represent a natural step forward, supporting homeownership through well-defined guidelines and long-standing lending standards. These loans can be used for primary residences, second homes, and in some cases investment properties, making them a versatile option for a wide range of borrowers.

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(Not a commitment to lend. All loans subject to approval. Fannie Mae and Freddie Mac guidelines apply.)