Conventional
The workhorse loan — and more flexible than most people think.
Conventional loans aren't government-insured; they follow Fannie Mae and Freddie Mac guidelines and are the most common mortgage in Arizona and Utah. That makes them competitive on rate, light on fees, and — once you reach 20% equity — free of mortgage insurance.
Because we shop many lenders, we can place your conventional loan where the pricing is sharpest for your credit score and down payment, rather than accepting a single bank's sheet.
Three steps, start to keys.
Strategy call
We look at credit, down payment, and timing to decide whether conventional beats FHA or a DPA program for you.
Shop & lock
We price your scenario across our lender panel and lock when the number is right.
Close in 21–30 days
Clear-to-close, keys, and a plan for when to revisit your rate.
Do I need 20% down?
No. 20% avoids mortgage insurance, but 3–5% down conventional is common and often cheaper long-term than FHA.
What credit score do I need?
Most lenders start at 620; pricing improves meaningfully at 680, 720, and 760.
Is conventional or FHA better for me?
It depends on score and down payment. Above ~680 with 5%+ down, conventional usually wins; below that, FHA often does. We run both.