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Conventional Mortgage Loans


Conventional mortgages are loans that are not attained under a government program, and we have several fixed-rate and adjustable rate options available. Conventional mortgage loans that are $424,100 or less for a single-family home are considered to be “conforming” loans; however, the limits can be higher in pricier regions of the country. Conventional loans that have higher limits are considered “non-conforming,” or "jumbo loans."

Conventional loan highlights:

  • Up to $424,100 loan amount
  • No mortgage insurance with 80% LTV
  • Gift funds allowed (accepted for owner-occupied and second homes)
  • Monthly or single premium mortgage insurance options available