Traditional mortgage loans with competitive rates, flexible terms, and no upfront mortgage insurance when you put 20% down. Perfect for buyers with good credit and stable income.
Everything you need to know about this loan program
We shop 20+ lenders to find you the best rate • As low as 6.750%
Rates from our lender partners, updated daily. As a broker, we compare rates from 20+ lenders to find you the best deal. Your actual rate may vary based on credit score, loan amount, and other factors. Call (805) 393-6278 for a personalized quote.
See if you qualify for this loan program
Not sure if you qualify? Let's find out together.
From application to closing in 6 simple steps
Submit your application with income, asset, and credit documentation. We'll determine your loan amount and interest rate. Pre-approval strengthens your offer when competing with other buyers.
Work with your real estate agent to find the perfect home. With pre-approval in hand, sellers know you're a serious buyer. We're here to answer questions throughout your search.
Once your offer is accepted, we order an appraisal to confirm the home's value matches the purchase price. This protects both you and the lender.
Our underwriting team reviews your complete file, verifies employment, assets, and ensures everything meets lending guidelines. We'll request any additional documentation needed.
Once underwriting approves your loan, you'll receive your Closing Disclosure outlining all final costs. Review it carefully and ask us any questions.
Sign your loan documents, receive your keys, and celebrate! Conventional loans typically close in 30 days or less.
Ready to get started? We can get you pre-approved in 24 hours.
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Estimated Monthly Payment
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Get answers to the most common questions about Conventional Loans
Get pre-approved in 24 hours with competitive rates and fast closings.
⚡ No credit impact • Free rate quote • $0 lender fees
Serving Oxnard, Ventura, Thousand Oaks, and all of Ventura County
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No credit impact • Free rate quote