What is a Conventional Loan?
Conventional loans are the most common type of mortgage in California, making up the majority of home financing. They aren’t backed by the government, which means they offer flexibility in terms, rates, and property types. Whether you’re a first-time buyer, move-up homeowner, or investor, conventional financing can be a great fit.​
Low Down Payments
As little as 3% down for qualified buyers.
Competitive Rates
Often lower than FHA or USDA if you have good credit.
Cancel PMI
Mortgage insurance can be removed once you reach *20% equity.
Wide Property Eligibility
Homes, condos, townhouses, even second homes or rentals.
Simple Payment Choices
Pick a steady fixed rate or a flexible adjustable rate
*Mortgage insurance can be removed once you reach *22% equity; however most servicers require 78%.
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