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Flexible Financing for Qualified BuyersCompetitive rates, down payments from as little as 3%, and the flexibility to fit first-time buyers, move-up buyers, and investors alike — across Oregon, Washington, and Arizona.
Conventional loans aren't insured by a government agency, which gives them a flexibility other programs can't match. For buyers with solid credit and steady income, they often deliver the lowest overall cost — and unlike FHA, the mortgage insurance can be removed once you build enough equity.
If you have a healthy credit score, manageable debt, and some savings, a conventional loan often beats a government-backed option on total cost. Mindy will compare it side by side with FHA so you can see the real monthly and long-term difference — not just the rate.
Many buyers put down 3–5%. Putting down 20% lets you skip mortgage insurance entirely, but it's not required — and it's often smarter to keep cash in reserve. We'll run the numbers both ways.
Requirements vary, but conventional loans generally reward stronger credit with better pricing. Even if your score isn't perfect, Mindy can review your full profile and compare conventional against FHA to find your best fit.
Yes — many first-time buyers qualify for 3%-down conventional programs. Others typically start around 5%. The right number depends on your goals and reserves.
Unlike FHA, conventional PMI is cancelable. It generally comes off automatically as you reach about 20–22% equity, and you can often request removal earlier once you hit 20%.
It depends on your credit, down payment, and how long you'll keep the loan. Conventional often wins on total cost for stronger-credit buyers; FHA can be friendlier for lower scores. Mindy will show you both.
Get pre-approved, ask a question, or just see what's possible. No pressure — real answers.