Who It's For
For buyers with established files.
Conventional financing is the most flexible instrument in the residential market — and historically the most cost-efficient for buyers whose credit, income, and reserves are in order.
We recommend it when your credit history is largely without incident, your down payment is meaningful (10% or more), and the property is a primary or secondary residence. For investors and second-home buyers, conventional remains the standard.
How It Works
Three steps. That's it.
01
A 30-minute call
Timeline, finances, the home in mind. No script.
02
Pre-approval in 48 hrs
Shopped against 20 wholesale partners; returned in writing.
03
Close in 19 days
One point of contact, start to keys.
Rates & Terms · Updated 9:14 AM PT
Today's live curve.
| Product | Rate | APR | Points | Per $100K |
|---|---|---|---|---|
| 30-yr Fixed | 5.875% | 6.012% | 0.5 | $591.54 |
| 20-yr Fixed | 5.625% | 5.781% | 0.5 | $694.21 |
| 15-yr Fixed | 5.125% | 5.302% | 0.5 | $796.07 |
| 7/1 ARM | 5.500% | 5.998% | 0.5 | $567.79 |
| 5/1 ARM | 5.250% | 6.044% | 0.5 | $552.20 |
Rates assume 740+ FICO, 20% down, primary residence, $425,000 loan, NV property. APR includes lender fees + 0.5 points. Subject to change.
Frequently Asked
Answers, without scripts.
What's the actual minimum down payment?
+
For a primary residence, conventional financing can begin as low as 3% down — though PMI applies until you reach 20% equity. Investment properties: 15–25% depending on units.
30-year fixed or a 7/1 ARM?
+
Hold the property and the home for ten years or more? Fixed is the calmer choice. ARMs reward shorter horizons (under seven years) and a stomach for rate movement — we'll model both before you commit.
How long until I can drop PMI?
+
PMI auto-cancels at 78% LTV based on original amortization. You may request earlier cancellation at 80% LTV with payment history in good standing — and we routinely facilitate appraisal-based re-evaluation.
Can my down payment come from a gift?
+
Yes — gift funds from immediate family are eligible. Documentation (signed gift letter + donor statement) is straightforward; we handle it as a matter of course.
Eligibility
A short, honest checklist.
- Credit score of 620 or higher (740+ for the strongest rates)
- Stable, documented income for at least 24 months
- Debt-to-income ratio under 45% (front-end) and 50% (back-end)
- Down payment in hand — or documented gift funds
- Property type: primary, secondary, or investment (limits vary)
- Two months of liquid reserves post-closing
Estimate Your Payment
Run the numbers, quietly.
Home Price$425,000
Down Payment20%
Term30 years
Rate5.875%