Property use
Primary home, second home, or investment property may qualify.
Flexible by design
Conventional,made clear.
A versatile mortgage route for buyers whose plans do not fit inside a single box—from a first home to a multi-unit investment.
Property type
Options can include 1–4 unit homes and eligible condos.
Support
A qualifying co-borrower or co-signer may be possible.
Structure
Fixed- and adjustable-rate choices vary by profile and program.
Where it can fit
One program family. More than one kind of move.
Conventional financing can flex across occupancy types and property strategies. The useful question is not simply “Do I qualify?” It is “Which structure best supports this purchase?”
Live
Primary home
For buyers purchasing the home they plan to occupy.
Retreat
Second home
For qualifying properties used personally outside the primary residence.
Grow
Investment
For qualified residential income-property strategies.
Multiply
2–4 units
For qualifying duplex, triplex, and fourplex purchases.
What we review
The whole picture—not one isolated number.
01
Credit profile
Score, depth, recent history, and the way the full file is underwritten.
02
Income & debts
Documented income, recurring obligations, and the payment the scenario creates.
03
Cash & reserves
Down payment, closing funds, permitted gifts, and reserves when required.
04
Property & purpose
Value, condition, unit count, occupancy, and how the home will be used.
The game plan
Three decisions. One coordinated route.
Compare the structure
We frame the payment, cash needed, mortgage insurance, and tradeoffs.
Build the file
We identify the documentation and conditions before they become surprises.
Move to close
You have direct guidance as the loan proceeds through underwriting and approval.
Straight answers
Conventional loan questions.
How much do I need for a down payment?+
Low-down-payment options may be available for eligible primary-home buyers, while second homes, investments, and multi-unit properties generally follow different requirements. We will price the scenario using current guidelines.
Do I need perfect credit?+
No. Credit is one part of the file. The required profile and pricing depend on the complete scenario and the underwriting path.
Can someone help me qualify?+
A co-borrower or co-signer may be permitted in some conventional scenarios. They share responsibility for the debt, so the structure should be reviewed carefully.
Is conventional always better than FHA or VA?+
No single program is automatically best. The better route depends on eligibility, property, cash available, monthly cost, timing, and long-term plans.
Loan programs, limits, pricing, eligibility, and underwriting requirements can change. All examples are general information—not a commitment to lend. Final approval is subject to current program criteria, property review, documentation, and underwriting.
Your next move
Bring the property.
We’ll bring the game plan.
Start with a private rate questionnaire or speak directly with Adam before completing a full application.
Get my rate