conventional Loans

A Conventional Loan program is most often utilized by a more seasoned home buyer.  However, Conventional Loan also has a first time home buyer version with a minimum of only 3% down payment required rivaling FHA.  Conventional Loans fall under the Conforming loan category. Conforming means that it meets and is backed by Fannie Mae or Freddie Mac. Conventional is a program that can be used for a purchase or refinance rate / term or cash-out.  

Key points of

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conventional loans:

  • Less than 20 percent down will require mortgage insurance (We have the cheapest m/i rates)
  • Historically low interest rates
  • Maximum Loan Amount in Florida $726,200
  • Popular downpayment amounts are 3%, 5%, 10% or more if preferred
  •  Available for Purchase / Refinance  / Cash-out

download purchase checklist

download the new purchase and refinance forms below!

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- cody g.

"Scott was awesome from start to finish. Always available to answer any questions we had. He was able to get everything we asked for and a little more."

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- Ryan o.

"Not only do I recommend using him as a realtor, but also as your lender. I can't start to express how simple this makes the home buying process and this is my third home purchase."

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- Penny g.

"Working with Scott and his team was fabulous! A totally streamlined experience. They made the process so easy it was very impressive."