The workhorse of home financing.
Conforming conventional loans from 3% down — flexible terms, removable PMI, and the sharpest pricing for strong credit.
Conventional financing is the default for a reason: competitive rates, no upfront funding fee, and private mortgage insurance that drops off once you reach 20% equity. With access to 40+ lenders, we shop Fannie Mae and Freddie Mac pricing to find your best fit.
- Down payments from 3% (first-time buyers) or 5% (repeat buyers).
- Loan amounts up to the conforming limit — higher in Colorado's high-cost counties.
- Credit scores from 620; best pricing at 740+.
- Primary residences, second homes, and investment properties all eligible.
- No upfront funding fee; PMI cancellable at 20% equity.
- Pairs with Colorado down payment assistance programs.
First-time buyers can put just 3% down; 5% is standard for repeat buyers.
Unlike FHA, conventional mortgage insurance can be cancelled once you hit 20% equity.
10–30 year fixed terms, plus 5/6, 7/6 and 10/6 ARMs for shorter horizons.
Good to know
Most lenders start at 620, but pricing improves meaningfully at 680, 700, and 740+. We'll show you exactly where your score lands before you apply.
Yes — that's the big advantage over FHA. PMI automatically terminates at 78% loan-to-value and can be requested at 80%.
For buyers with 680+ credit and 5% down, conventional usually wins on total cost. With lower scores or smaller down payments, FHA can price better. We run both side by side.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.