Conventional Loans

Diverse set of products for variety of situations

Conventional Financing

Flexibility and Versatility.

I’m looking for flexibility in loan terms and pricing and I have good credit and money to put down.

The Conventional Mortgage

A Conventional Mortgage is simply any mortgage loan that is not insured or guaranteed by the federal government. Conventional Mortgages typically require a higher down payment, usually 5%–20%. They also have higher income and credit score requirements than government loans. Conventional Mortgages can have a fixed interest rate or an adjustable interest rate. Typical fixed-rate loans have a term of 15 or 30 years. With an Adjustable-Rate Mortgage (ARM), the interest rate stays constant for a term and then fluctuates based on market conditions.

Get Started

I will ask you a series of questions to see if Conventional is right for you.


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Loan Amounts up to:


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Credit Scores as low as:


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Minimum Down Payment:


Types of Conventional Loans

  • Conventional Purchase Loan
  • Conventional Refinance Loan
  • Conventional Cash Out Refinance
  • Home Possible®
  • HomeReady®
  • HomeStyle® Renovation Mortgage
  • CHOICERenovation Mortgage
  • Conventional 97% No MI
  • Conventional Adjustable-Rate Mortgage

Conventional Features & Qualification

  • Buyer has immediate equity in the property
  • No private mortgage insurance is required with a 20% down payment
  • Lower closing costs and fees
  • Repayment terms are generally more favorable
  • Closing costs and fees may be included in the loan
  • Fewer bureaucratic hurdles, making the loans quicker to process

Who can benefit?

  • First-time or repeat homebuyers
  • People with good credit scores and money to put down
  • Someone who wants a low down payment.
  • Homebuyers looking for a loan program with no private mortgage insurance (PMI) options.

Is Conventional right for you?

Find Out

Questions about Conventional? Let me help!

Kahren Oxner

Senior Loan Officer | NMLS #590552

(503) 453-6849  

Advantage Loan Finder Interested in learning about other loan programs? Visit the Loan Finder

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates and conditions are subject to change without notice. Some products and services may not be available in all states.