Not government-backed

Conventional loans for buyers with strong credit and steady income.

For borrowers with solid credit and documented income, conventional financing often means fewer fees and more flexibility than government-backed alternatives — especially once you reach 20% equity.

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Conventional Loans at a glance

  • Down payment As low as 3–5%
  • PMI Removable at 20% equity
  • Credit Generally 620+
  • Best for Buyers with strong, documented credit

Who it's for

Is conventional loans right for you?

You have a credit score of 620 or higher.

You can document steady income (or structure self-employed income correctly).

You want to avoid FHA's permanent mortgage insurance.

You're buying a second home or investment property.

Process

How Sayed structures your conventional loans

1

Credit & income review

2

Pre-approval

3

Offer & rate lock

4

Underwriting

5

Closing

FAQs

Conventional Loans questions, answered

Most conventional programs look for 620+, though better rates typically require higher scores.

Generally once you reach 20% equity, PMI can be removed on conventional loans.

Yes — conventional financing is common for investment purchases, often with a higher down payment requirement.

Explore other loan programs

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