Conventional Loans
Flexible terms, competitive rates, and low down payment options for well-qualified buyers.
What are Conventional Loans?
Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
A good fit if you are
- Buyers with solid credit who want the widest choice of terms
- Down payments as low as 3% for qualified first-time buyers
- Primary homes, second homes, and investment properties
- Borrowers who want to avoid FHA mortgage insurance long term
How to get started
Apply online in about 15 minutes or book a call. We'll review your numbers, confirm the right program, and issue a pre-approval you can shop with.
Questions about Conventional Loans?
Every scenario is different. Get an answer from a licensed loan officer, not a chatbot.
Call (480) 999-9842Book a CallPayment calculatorMore loan programs
FHA Loans
Government-insured financing with 3.5% down and flexible credit guidelines.
Learn more →VA Loans
Zero down, no monthly mortgage insurance, and competitive rates for those who served.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced Arizona homes.
Learn more →FHA 203k Loan
Buy and renovate with one loan. Purchase price plus repairs, one closing.
Learn more →Mortgage Refinance
Lower your rate, shorten your term, or turn equity into cash.
Learn more →Down Payment Assistance
3.5% or 5% of the purchase price toward your down payment and closing costs.
Learn more →All In One Loan
A first-lien HELOC that lets your income pay down principal every day. Run the simulator.
Learn more →Ready to make a move?
Get a straight answer in one call. No pressure, no runaround.