Conventional Home Loans
The most widely used mortgage in America — flexible, competitive, and available for primary homes, vacation properties, and investments with as little as 3% down.
Conventional Home Loans
Conventional loans are the gold standard of home financing — offered by private lenders and backed by Fannie Mae or Freddie Mac guidelines. They offer some of the most competitive rates available when paired with strong credit, and they're flexible enough to work for first-time buyers, move-up buyers, investors, and everyone in between.
Key Requirements
Benefits
- ✓Competitive interest rates — Often lower than FHA for borrowers with good credit — saving thousands over the life of the loan.
- ✓No PMI at 20% down — Avoid private mortgage insurance entirely and reduce your monthly payment significantly.
- ✓Flexible property types — Available for primary residences, second homes, and investment properties.
- ✓Cancellable PMI — Put less than 20% down? PMI cancels automatically at 20% equity — unlike FHA's lifetime MIP.
- ✓Multiple term options — Choose 10, 15, 20, or 30-year fixed to balance monthly payment vs. total interest paid.
Primary Residences, Second Homes & Investment Properties
One of the biggest advantages of conventional loans is their flexibility. Unlike FHA loans, which are limited to primary residences, conventional financing works for second homes and investment properties — making it essential at every stage of your real estate journey.
Understanding PMI
If you put less than 20% down, you'll pay Private Mortgage Insurance (PMI) — typically 0.5%–1.5% of the loan balance annually. The key advantage over FHA: PMI cancels automatically once you reach 20% equity, while FHA mortgage insurance often lasts for the life of the loan. Our team will help you model exactly when that happens.
Frequently Asked Questions
Conventional loans are not government-backed, so they carry stricter credit requirements but often lower costs for borrowers with good credit. FHA loans are insured by the federal government, accept lower credit scores, but require upfront and annual mortgage insurance regardless of down payment.
Yes. Conventional loans allow purchase of single-family rentals, duplexes, triplexes, and four-plexes. Down payment requirements for investment properties are typically 15–25%.
For most Colorado counties, the 2026 baseline conforming limit is $832,750. Loan amounts above the limit require a jumbo loan. Our team will advise you on any high-cost county exceptions.
Some conventional programs allow as little as 3% down for first-time buyers or for buyers who haven't owned a home in the past 3 years. Income limits and other restrictions may apply. Our team will identify what you qualify for.
From application to closing
Apply Online
Complete our secure 5-minute digital application at no cost or obligation.
Team Review
Our team analyzes your situation and recommends the ideal program, term, and rate strategy.
Pre-Approval
Receive a credible pre-approval letter — often within 24 hours — that makes your offer stand out.
Close & Move In
We guide you to the closing table in 21–30 days with zero surprises. Then celebrate.
Your conventional loan starts here.
Get pre-approved in as little as 24 hours. Our team will match you with the right term, rate, and structure for your financial goals — at no cost and no obligation.