Conventional Strength.
Competitive rates for qualified borrowers.
Why borrowers choose this path.
Conventional loans are the backbone of the mortgage world — flexible, competitive, and built for borrowers with strong credit and stable income. Whether you're putting down 3% or 20%, I'll structure the right program for your goals with transparent pricing every step of the way.
- Down payments as low as 3%
- Fixed and adjustable rate options
- Loan terms from 10 to 30 years
- Drop PMI at 20% equity
- Higher loan limits than FHA
- Faster closings for strong files
Built around your goals.
Competitive Rates
Some of the lowest rates available for borrowers with strong credit profiles.
Primary, Second, or Investment
Conventional financing works for nearly every property and occupancy type.
Drop PMI
Once you hit 20% equity, mortgage insurance comes off — saving real money.
Flexible Terms
Choose 15, 20, 25, or 30 years — match your payment to your life plan.
Low Down Payment Options
Programs like Conventional 97 let qualified buyers in with just 3% down.
High Loan Limits
Conforming limits stretch well into the high six-figures in most Oregon counties.
Good to know.
What credit score do I need for a conventional loan?+
Most programs start around 620, but the best rates kick in at 740+. We'll review your credit together and map a path to the best pricing tier available to you.
How much down payment do I need?+
As little as 3% with Conventional 97, or 5% on standard programs. Putting 20% down eliminates PMI entirely — we'll run both scenarios so you can decide.
What's the difference between conventional and FHA?+
Conventional is privately insured and typically better for borrowers with strong credit and steady income. FHA is government-backed and more forgiving on credit, but carries lifetime mortgage insurance on most loans.
Can I use a conventional loan for an investment property?+
Yes — conventional financing is one of the most common ways to finance rentals and second homes, with down payments typically starting at 15–25%.
Cleared for takeoff.