Conventional Home Loans

If you're looking for a mortgage with a quick and easy application and excellent customer service, our Conventional Home Loans could be the perfect thing for you.

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Get a Conventional Home Loan with Just 3% Down

With our Conventional Home Loans, you'll be on your way to home ownership in no time. With just 3% down, you may be able to qualify. Plus, that 3% can come entirely from a gift.

Purchase a Home with Just a Small Down Payment

The primary barrier to home ownership for first-time homebuyers is saving money for down payments and closing costs. A conventional loan is an option that allows you to purchase a home without the burden of saving a large down payment.

  • 3% down payment (Lower than FHA. Gift Funds Permitted)
  • Only available on a one-unit primary residence
  • One borrower must be 1st time home buyer
  • No income limits
See a Conventional 3% Down Sample Scenario
Product/Terms (Fixed) 30 YR
Purchase  price $200,000
Loan Amount $194,000
Down Payment $6,000
Interest Rate 3.875%
(30 day lock)  
APR 4.711
Total Monthly payment $1,290.39*

*Payment quote is for principal and interest only and does not include monthly charges such as private mortgage insurance, property taxes, and homeowners insurance. Your actual monthly obligation will be greater.

Experienced Customer Service

Our Mortgage Bankers offer personalized service and are available to walk you through the whole home buying process. Visit one of our banking centers or call our Mortgage Bankers at (866) 910-5224 today to get started.

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How Much House Can I Afford?

When you're buying a home, lenders don't look just at your income, assets, and the down payment you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use our home affordability calculator here to determine how much of a mortgage you may be able to obtain.

Calculator

Apply Online

The application will ask questions about the house you are planning to buy and your finances. It takes less than 20 minutes to complete. If your application is approved online and we have received your intent to proceed, we'll ask you for a deposit to cover the cost of the appraisal on your home so that we can begin to process your request immediately.

After your application is completed, a Mortgage Banker will contact you to introduce themselves and to answer any questions you may have. Your Mortgage Banker will provide help and guidance along the way.

If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

Prepare for Closing

Close Your Loan

Ready to Get Started?

Contact a Mortgage Banker today at (866) 910-5224 or find a local mortgage banker using the link below and get started.

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Related Products and Services

Looking for another type of loan? If a Conventional Home Loan isn't right for you, we have a variety of other products to choose from.