Conventional loans
A flexible mortgage option for your dream home
Conventional loans offer competitive rates and adaptable terms, making them a great fit for a wide range of homebuyers with solid credit and stable income.


About Conventional loans
Flexible loans for confident buyers
Conventional loans are not backed by the government, giving buyers more options and flexibility. Ideal for those with good credit, these loans offer competitive rates and a variety of term lengths to fit your needs.
Check if you're eligible
- Minimum credit score of 620
- Stable income and employment history
- Debt-to-income ratio below 43%
- Down payment of at least 3% for certain loan programs
- Primary, secondary, or investment properties allowed
Why choose an Conventional loans?
- Lower interest rates for buyers with strong credit
- No private mortgage insurance (PMI) with 20% down
- Flexible loan terms from 10 to 30 years
- Available for primary residences, second homes, and investment properties
Conventional loans frequently asked questions
What credit score is needed for a conventional loan?
Most conventional loans require a minimum credit score of 620.
Do I need PMI on a conventional loan?
PMI is required if your down payment is less than 20%, but it can be removed once you reach 20% equity.
Can I use a conventional loan for an investment property?
Yes, conventional loans can be used to finance primary residences, second homes, and investment properties.

Is this a good time to get a loan?
Choosing the right loan can feel overwhelming, but we're here to help. Let's explore if a conventional loan is the best fit for your homeownership journey.
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