Conventional Loans

Conventional loans are my core everyday mortgage option for clients who want straightforward, long‑term financing with room to customize. If you have steady income and solid credit, a conventional loan can reward you with competitive rates, low overall costs, and choices on down payment, term length, and whether you prefer a fixed or adjustable rate.

I structure both conforming loans that meet Fannie Mae and Freddie Mac guidelines and non‑conforming options for scenarios that sit just outside the box. Because I work through wholesale channels instead of a retail bank, you tap into institutional pricing and a wide menu of investors, not just one bank's rulebook. That often means better pricing, more flexible approval on things like debt‑to‑income ratios, and the ability to keep your deal on track even when another lender has said no.

If you are comparing offers for a home purchase or refinance, I will walk you through side‑by‑side numbers so you can see exactly how a conventional loan impacts your monthly payment and long‑term wealth.