LOAN SERVICES

Conventional loans are mortgages offered by private lenders, not the government. Many follow Fannie Mae and Freddie Mac guidelines and can have fixed or adjustable rates, competitive pricing, and low down payments—sometimes as low as 3%. Some conventional loans fall outside these guidelines, offering more flexible income qualification, which makes them especially popular with self-employed buyers. Conventional loans can be used for primary residences, second homes, and investment properties, making them a versatile option for buyers who don’t fit a traditional loan mold.