Traditional
Loan Programs
Conventional, FHA, VA, and USDA loans with competitive rates and standard underwriting guidelines for qualified borrowers.
Traditional Loan Options
Conventional Loans
Standard loans not insured by government agencies, offering competitive rates and flexible terms.
- Down payments as low as 3%
- Loan amounts up to conforming limits
- PMI can be removed at 20% equity
- Competitive interest rates
FHA Loans
Government-backed loans with lower credit score requirements and down payment options.
- Down payments as low as 3.5%
- Credit scores as low as 580
- Flexible debt-to-income ratios
- Gift funds allowed for down payment
VA Loans
Exclusive benefits for veterans, active-duty military, and eligible spouses.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Reusable benefit
USDA Rural Loans
Zero down payment loans for eligible rural and suburban areas.
- No down payment required
- Low mortgage insurance
- Income limits apply
- Income limits apply
General Requirements
Basic Qualifications
- Steady employment history (2+ years)
- Verifiable income documentation
- Acceptable debt-to-income ratio
- Property appraisal
- Property inspection
Credit Requirements
- Conventional: 620+ credit score
- FHA: 580+ credit score (3.5% down)
- VA: No minimum score requirement
- USDA: 640+ credit score preferred
- Clean credit history preferred
Why Choose Traditional Loans?
Established Programs
Time-tested loan programs with proven track records and standardized processes
Competitive Rates
Access to some of the best interest rates available in the mortgage market
Government Backing
Many programs backed by government agencies for added security and benefits