Conventional mortgages built for stability and flexibility
Pre-approval in days, not weeks — with a loan officer who knows your market.
Thousands of homeowners have found their path forward with our conventional financing solutions.
- 15-year and 30-year terms
- Down payment options from 3% to 20%
- Expert guidance throughout closing
Straightforward mortgages that work for your timeline
A conventional mortgage is a loan not backed by a government agency, which means you work directly with us to structure financing that matches your circumstances. We offer both fixed-rate and adjustable-rate options so you can choose the payment predictability or initial savings that serve you best. Whether you're a first-time buyer or moving to your next home, conventional financing provides clear terms and transparent costs from application through closing. Our team walks beside you at every step, answering questions and explaining options in plain language. We believe homeownership should feel achievable, not overwhelming, which is why we take time to understand your goals before recommending a loan structure. Your financial picture is unique, and your mortgage should reflect that.
Review conventional loan options
Below you'll find representative terms for our conventional mortgage products. Rates and terms vary based on your credit profile, down payment amount, loan-to-value ratio, property type, and occupancy status. Your actual rate and terms will be provided after a pre-qualification review.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-Year Fixed-Rate Conventional Predictable monthly payments over three decades | 6.500% | 6.625% |
| 15-Year Fixed-Rate Conventional Build equity faster with a shorter loan term | 5.750% | 5.900% |
| 5/1 Adjustable-Rate Conventional Lower initial rate with adjustment after five years | 6.250% | 7.125% |
Assumptions include a purchase transaction, primary residence, standard documentation, and no cash-out refinance. Terms subject to individual creditworthiness, income verification, and property appraisal. Rates are updated regularly and locked upon application.
This table shows sample scenarios only and does not constitute an offer to lend or a commitment of any kind. You will receive actual terms, rates, and costs in a Loan Estimate after submitting your application. Interest rates are subject to change. Not all products and terms are available in all states.
From Application to Keys
A process designed for clarity and confidence
We know that applying for a mortgage can feel like navigating unfamiliar territory. That's why we've built a process that keeps you informed every step of the way. After you apply, we'll request documentation to verify your income, assets, and employment. While our underwriting team reviews your file, your loan officer remains your main point of contact, explaining what we're looking for and what happens next. Once your loan is approved, we'll order a property appraisal and title search. You'll then move to the final stages, where closing disclosure documents are prepared and a closing date is scheduled. We work with you to find a time that works for your schedule. Two business days before closing, you'll receive your final Closing Disclosure so you can review all loan terms and costs. At closing, you'll sign documents and receive the keys to your new home. Throughout this journey, transparency guides everything we do.