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Home » Conventional Loan Options

Conventional Loans

Down payments starting at 3%

Down payment can come from a family gift

Up to 6% closing cost help allowed

Underwriting guidelines per aus du/lp

3%

CONVENTIONAL LOAN – With income restrictions

5%

HIGH BALANCE CONVENTIONAL – Higher loan limits for high cost areas

10%

ONE-TIME-CLOSE CONSTRUCTION LOANS – Loan limits to $766,550 and more

5%

CONVENTIONAL LOAN – No income restrictions

3% to 5%

REHAB & RENOVATION – One loan to purchase and make renovations

REFINANCE – Rate terms refinance and cashout to 80% appraised value

3%

CONVENTIONAL LOAN – With income restrictions for first time and non-first time homebuyers

5%

CONVENTIONAL LOAN – No income restrictions

10%

HIGH BALANCE “EVERYWHERE” – $1,149,825 loan limits throughout the U.S.

5%

HIGH BALANCES CONVENTIONAL – No income restrictions and higher loan amounts in eligible areas

3%

RENOVATION LOAN – Loan limits up to $1,149,825

10%

ONE-TIME-CLOSE CONSTRUCTION LOANS – Loan limits to $766,550 and more

OTHER LOW-TO-NO MONEY DOWN MORTGAGE LOAN OPTIONS

One-Time Close Construction Loans ^{1, 2}

VA Loans to Purchase, Build, or Rehab ²

$0 Down Loans with No Down Payment ^{1, 2}

FHA Loans to Purchase, Build, or Rehab ¹

Conventional Loan to Purchase, Build, or Rehab

Renovation Loans to Purchase & Renovate ^{1, 2}

USDA Loans to Purchase, Build, or Rehab ¹

3% to 5% Down Payment Options ¹

Jumbo Loans for Larger Loan Amounts ²

Programs have income and purchase price restrictions based on income and location. Please check with your loan officer for details.
Former service members must have qualifying discharge confirmed by lender via certificate of eligibility from the Veteran’s Administration Department