Conventional loans for every kind of buyer.
Backed by Fannie Mae and Freddie Mac. Available for primary residences, second homes, and investment properties — with pricing that rewards strong credit and structure that adapts to your strategy.
A loan that isn’t government-backed.
A conventional loan isn’t insured or guaranteed by a government agency like FHA or VA. Instead, it’s backed by private lenders and follows guidelines set by Fannie Mae or Freddie Mac — the two government-sponsored enterprises that purchase the majority of mortgages in the U.S.
Conventional loans are ideal for borrowers with good credit, consistent income, and manageable debt. Because they aren’t tied to government programs, they offer flexibility in how they’re structured — with options to suit a wide range of financial strategies, from first-time buyers to seasoned investors.
Pathways built for your first home.
Three conventional programs designed for buyers who qualify for traditional financing — with reduced down payments and flexible income guidelines.
HomeReady®
Designed for low-to-moderate-income buyers. Offers flexible income guidelines and allows as little as 3% down for qualified first-time buyers.
Home Possible®
3% down program with support for borrowers with low-to-moderate incomes, co-borrowers, and non-occupant co-borrowers in select scenarios.
97% LTV Financing
Standard conventional allows up to 95% LTV on primary residences. Eligible first-time buyers can qualify for 97% LTV under specific program criteria.
What makes conventional work.
The right program, for your profile.
Conventional isn’t just a default. It’s the right choice when your credit, income, and documentation align with the program’s flexibility — and when you want pricing that rewards your profile instead of boxing you into a single structure.
We work with multiple wholesale lenders to match you with the right conventional product. First-time buyers using HomeReady®. Seasoned homeowners refinancing into lower rates. Every path moves through the same clarity — from pre-qualification to closing.
Know before you borrow.
Guides, market insights, and scenario breakdowns from our licensed loan officers.
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Tools to move from reading to action.
Mortgage calculator
Run the numbers on a purchase or refinance — including principal, interest, taxes, and insurance.
Calculate Tool TwoGet pre-approved
Start your pre-approval in under 30 seconds. A Lendmire specialist will follow up to finalize the details.
Start Tool ThreeBrowse programs
See every loan program Lendmire offers — from conventional to DSCR — and find the right fit.
BrowseReady to explore your conventional options?
In about 30 seconds you can review financing options available for your home purchase or refinance. No commitment required.
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