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CALIFORNIA CONVENTIONAL PURCHASE LOANS

Buy Your Next
Home With
Confidence.

Explore conventional home financing with flexible down payment options and personal guidance from an experienced California mortgage advisor.

Start Your Home Purchase

Tell us a little about your plans and we'll help you explore your conventional loan options.

WHY CONVENTIONAL

  • Down payments as low as 3% for eligible buyers and programs
  • Fixed-rate and adjustable-rate options
  • Available for many primary homes, second homes, and investment properties
  • Private mortgage insurance may be removable when requirements are met

WHY WITH I LOVE MY LENDER

  • Personalized guidance for California homebuyers
  • Help comparing loan structures and estimated costs
  • Support from preapproval through closing
  • Clear communication throughout the process

COMMON QUESTIONS

How much do I need for a down payment?

Some eligible conventional purchase programs allow as little as 3% down. Your options depend on credit, income, property, and program rules.

Do I need perfect credit?

No. Eligibility and pricing depend on your overall application, including credit, income, assets, and debts.

Will I need mortgage insurance?

Private mortgage insurance is generally required when the down payment is below 20% on many conventional loans.

Can I get preapproved before shopping?

Yes. Preapproval can help you understand your estimated purchasing power before making an offer.

Loan approval, terms, and availability are subject to underwriting and program guidelines. This page is informational and is not a commitment to lend. Equal Housing Lender. NMLS #952076.