Conventional Loans Washington Oregon Arizona Idaho Montana Nevada
Traditional financing with competitive rates and flexible terms. No government backing required, offering more property type options.
Conventional loans are not government-insured and offer the most flexibility in terms and down payment options. With down payments as low as 3% for qualified buyers, these loans are available for primary homes, second homes, and investment properties. Conventional loans offer the ability to remove mortgage insurance once you reach 20% equity, potentially saving thousands over the life of the loan. These loans are ideal for borrowers with good credit and stable income.
Key Benefits
Down payments as low as 3%
Make homeownership accessible with minimal upfront investment for qualified buyers.
Available for all property types
Use for primary homes, second homes, and investment properties.
Mortgage insurance can be removed at 20% equity
Save thousands over the life of the loan by removing PMI.
Higher loan limits than government programs
Borrow more for higher-priced properties and luxury homes.
Flexible property use (primary, second home, investment)
Maximum flexibility for various real estate investment strategies.
Competitive rates for well-qualified borrowers
Access the best rates available with good credit and income.
Conventional Loan Requirements
Qualification Requirements
Contact us to find out more about qualification requirements and see if you qualify for our competitive conventional loan programs.
Down Payment Options
Flexible down payment options available. We'll help you find the best approach that fits your budget and goals.
Financial Assessment
We'll review your complete financial picture to find the best conventional loan solution for your situation. Contact us for a personalized evaluation.
Income Verification
We work with various employment and income situations. Let's discuss how we can structure a loan that works for you.
Asset Evaluation
We'll work with your asset situation to structure the best loan for your needs. Contact us to discuss your specific circumstances.
Property Types
Primary residence
Second homes
Investment properties
Trusted by Hundreds of Homebuyers
Ready for Conventional Financing?
Let Ron Thomas help you secure competitive conventional loan terms with 35+ years of experience