Let’s understand your options.
Conventional mortgages are not part of a specific government loan program. They include conforming loans, which follow applicable loan limits and investor guidelines, and other financing options. Let’s compare what fits your budget and your property.
Your down payment
You may have options below 20% down, depending on eligibility. Mortgage insurance is typically required when your down payment is below 20%.
Your repayment term
A shorter term generally means a higher payment and less time paying interest. Compare both the payment and total cost.
Your property plans
Tell me whether you’re buying a primary home, second home, or investment property. Those plans affect the options we review.
Your full cost
The rate, mortgage insurance, points, fees, and cash to close all belong in the comparison.
Helpful for our conversation
- Your intended use of the property
- Your savings and planned down payment
- Income, employment, and debt information
Questions you may be asking
Put some numbers to your plan.
Use the calculators to explore a scenario before we talk.