A conventional home loan isn’t backed by the federal government and it conforms to the requirements set forth by Fannie Mae and Freddie Mac. Borrowers are typically required to provide a down payment of at least 3% (first-time home buyers), but if borrowers decide to put at least 20% down, they won't have to pay for mortgage insurance. Conventional loans are geared towards borrowers who can potentially make larger down payments, have a fairly secure financial standing, and are at a lower risk of defaulting on the loan.


  • Down Payment: Minimum of 3%

  • Credit Score: 620 minimum

  • Mortgage Insurance: Yes, if down payment is under 20%

  • Maximum Loan Limit: Yes, varies by county


Key Features

  • Relatively faster home loan processing

  • Generally better interest rates and loan terms.

  • Opportunity to reduce or avoid a Mortgage Insurance Premium


Security First Financial has years of experience providing eligible borrowers with access to Conventional home loans. Get in touch with us today to get started or for more information!

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63 Inverness Dr E # 250, Englewood, CO 80112
Office: (303) 740-8300 | Fax: (303) 740-8304
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Security First Financial is a Division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Regulated by the Division of Real Estate. MLO MC3094. MLO 0121351. Arizona Department of Financial Institutions 0902614. Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Your opinion is greatly appreciated, we thank you for visiting this website or Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns or complaints we invite you to contact us by the email shown here: Emails received during business hours, should receive a response within 48 hours, excluding weekends or holidays.
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