Conventional Home Loans

Any mortgage loan that’s not insured or guaranteed by the government is considered a conventional loan. Conventional home loans are issued by private lenders, such as banks or credit unions.

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Your Guide to Conventional Loans

Who It’s For

Borrowers with strong credit, a solid income, and at least 3% for the down payment are the best candidates for a conventional home loan. Both first-time and experienced home buyers can qualify if they meet the requirements.

The Benefits

A Reward for Good Credit

A Reward for Good Credit

The better your credit score, the better your interest rate with a conventional home loan.

Low Down Payment

Low Down Payment

You can put as little as 3% down when purchasing a home using a conventional loan.

Often Preferred by Sellers

Often Preferred by Sellers

Conventional loans tend to be appealing to sellers and can give you an edge over the competition.

Affordable Closing Costs

Affordable Closing Costs

Conventional home loans don’t have the funding fees that all government loans require, making them cheaper to close.

Eligibility Requirements

  • Credit score of 620 or higher
  • Debt-to-income ratio no higher than 45%
  • Minimum down payment of 3% (or 20% for no PMI)
  • Appraisal that verifies the home’s value and condition


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Here’s Why We Do What We Do

We would like to thank Jeff Aguilera for the time and knowledge he provided my wife and I with a very smooth transition in the purchasing of our house. Our real estate agent Emily suggested we go with Jeff and he did not disappoint. So thank you very much, again Jeff. It was a true pleasure working with you.
Greg & Susan

Why Right Start Is the Right Choice

Personalized Experience

Personalized Experience

We take the time to get to know you and your goals, then help you every step of the way.

Easy Loan Process

Easy Loan Process

Close your loan in five easy steps—from finding out how much you can borrow to signing the final documents.

Family Owned & Operated

Family Owned & Operated

We take a personalized approach with every client and have built a loyal ‘fans for life’ following.

Experts Since 1989

Experts Since 1989

With 30+ years of experience, we know what we’re doing, and we believe in transparency, trust, and excellent customer service.

Get to Know Us

We’re a family-owned and operated company with a solid team of qualified and enthusiastic mortgage specialists committed to personalized, individual service for each client. We educate, communicate, and are transparent about the loan process to make the experience as smooth as possible.

Meet the Team

Other Loan Programs


FHA loans are backed by the Federal Housing Administration and are especially popular with first-time home buyers.


VA loans offer great benefits, such as low interest rates and no money down, for active-duty military members, veterans, or sur viving spouses.


Private lenders offer conventional loans designed for those with good credit scores and a low debt-to-income (DTI) ratio.


USDA loans are designed for those interested in purchasing an affordable home that’s located in a rural area.


Some homes are priced above conventional conforming loan standards, and that’s where the jumbo loan comes in.

Get in Touch With Our Team

We’re happy to connect with you and answer any questions you might have. Reach out today!