← All loan options

Homebuyer loan options

Conventional loans, explained without the alphabet soup.

A conventional mortgage is not insured or guaranteed by a government loan program. The right structure depends on your income, credit, down payment, property, and plans.

What should we compare?

Look at the full payment, mortgage insurance when applicable, cash to close, and total costs. A familiar loan name does not replace reviewing your actual numbers.

What about mortgage insurance?

Some conventional loans require mortgage insurance. We can review whether it applies to the options you qualify for and how it affects the comparison.

What should I bring?

Start with your price range or target payment, down-payment plans, income picture, and the type of property you want. I can help identify the documents and next questions for your scenario.

Official program information

Consumer Financial Protection Bureau: Conventional loans ↗

General education, not a commitment to lend. Program availability and approval depend on the complete borrower, property, and lender review.

Your next step

Let’s review your options together.

Talk with Marta