Conventional
Good credit gets you great terms and rates
Choose a flexible loan with some of the most attractive interest rates on the market.
Today's Conventional rates
Discover competitive rates, updated daily.
Want to talk to an expert?
Schedule a callRates as of January 16, 2026
See assumptionsConventional benefits
- Strong credit and a 20% down payment removes mortgage insurance premiums altogether
- Fewer administrative hurdles enable quicker closings
- Buy a primary residence, second home, or investment property
- Choose from 15, 20, or 30-year fixed options, or consider adjustable-rate terms
- Return to us for refinancing or home purchases with $0 bank fees
Eligibility requirements
- Typically requires a credit score of minimum 620
- Debt-to-icome ratio doesn’t exceed 45%, exceptions may apply
- Minimum 3% down payment for qualified first-time homebuyers; 5-20% down for other borrowers
- Stable employment and income history, typically for the past two years
- The home must meet basic property standards determined by an appraisal
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