Flexible home loans, made simple.
Conventional loans are the most common way to buy a home. You get low down payment options, mortgage insurance that goes away, and room to buy the home you want. I'll walk you through the real numbers.
Why buyers choose conventional
It's the loan most buyers use, and for good reason. Here's what makes it work.
As little as 3% down
First-time buyers can put down as little as 3%. Put down 20% and you skip mortgage insurance completely.
Mortgage insurance goes away
Once you reach 20% equity, you can ask to remove it. It drops off on its own at 22%.
Any kind of home
Use it for the home you live in, a vacation home, or an investment property.
How it works, start to finish
Three steps, one person guiding you the whole way. That's me.
Get pre-approved
I review your income, credit, and savings, so you know your real budget before you shop.
Find your home
With the home and the loan under one roof, your offer is stronger and nothing falls through the cracks.
Close with confidence
I keep the loan and the purchase moving together, all the way to the keys.
Smart ways to lower your payment
The rate isn't the whole story. These are the tools I use to make the numbers work.
Rate buydown
Pay a little up front, or have the seller pay it, to lower your rate. It can last the life of the loan or just the first few years.
Seller credits
With less than 10% down, the seller can pay up to 3% of the price toward your costs. Put more down and that goes up to 6%, or even 9%.
Lender credits
Take a slightly higher rate in exchange for a credit that covers closing costs. It's a great fit when you want to keep more cash in the bank.
Compare your options
A quick side by side of the three most popular loans, so you can see what fits.
| Minimum down | Mortgage insurance | Credit score | Best for | |
|---|---|---|---|---|
| Conventional | 3% for first-time buyers, 5% for others | Needed under 20% down. It goes away as you build equity. | Usually 620+ | Buyers with solid credit who want PMI to go away. |
| FHA | 3.5% | Monthly premium, usually for the life of the loan with under 10% down. | 580+ with 3.5% down | Buyers rebuilding credit or with higher debt. |
| VA | 0% | None. There's a one-time funding fee, waived for many disabled veterans. | No VA minimum. Lenders set their own. | Veterans, active duty, and eligible spouses. |
Not sure what you can afford?
Start with one quick application. I'll review it myself and walk you through your numbers, no pressure and no cost.
Get pre-approvedFrequently asked questions
The honest answers I give my own clients.
Popular tools and free resources
Dig in on your own time. These are the ones clients reach for most.
Mortgage calculator
Estimate your monthly payment in a few clicks.
Run the numbersHomebuyer guide
Every step of buying a home, laid out simply.
Get the guideRate updates
Where mortgage rates are and what it means for you.
See ratesClient reviews
Hear from clients I've guided through the home and the loan.
Read reviewsLet's find your best loan option
You don't need a whole team of strangers to figure this out. You just need the right person guiding you. That's what I'm here for.