Conventional Home Loans
Conventional Loans

Conventional Home Loans

Competitive rates and flexible terms for borrowers with solid credit. Down payments as low as 3%.

Get Pre-Approved
Key Benefits

Why Choose a Conventional Loan?

  • Low rates for good credit
  • 3–20% down payment options
  • No upfront mortgage insurance with 20% down
  • Fixed and adjustable rate options
  • Loan amounts up to conforming limits
  • Faster approval process
Eligibility

Who Qualifies?

  • Credit score 620+
  • Stable employment history
  • DTI typically under 45%
  • Primary residence, second home, or investment property
How It Works

Three Steps to Your Conventional Loan

01

Apply & Get Pre-Approved

Complete our secure online application. We review your credit, income, and assets to issue a strong pre-approval letter.

02

Underwriting & Appraisal

Our underwriting team verifies your documentation and orders an appraisal to confirm the property value.

03

Clear to Close

Once all conditions are satisfied, we issue your Clear to Close and coordinate a smooth closing.

Get Pre-Approved for a Conventional Loan

Tell us a bit about your goals and a mortgage advisor will reach out within one business day.

Dream home
Get Started Today

Ready to Move Forward?

Your next chapter is closer than you think. Apply in minutes and let a MoneyLine advisor guide you home.

Apply Now — It's Free Call (813) 645-9004

NMLS #391072 · Equal Housing Lender · No upfront fees