
Conventional Loans
Flexible, Affordable Home Financing Without Government Backing
A Conventional Loan is a mortgage that isn’t backed by the government, offering competitive interest rates, flexible loan terms, and lower costs over time. These loans are ideal for borrowers with strong credit and stable finances, providing lower monthly payments and more loan options than government-backed programs.
Why Choose a Conventional Loan?
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Low Down Payment – As low as 3% down for qualified buyers
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No Mortgage Insurance with 20% Down – Save on monthly payments
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Higher Loan Limits– Borrow more for high-cost homes
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Flexible Loan Terms – Choose between fixed and adjustable rates
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Refinancing Options – Lower your rate or access home equity

Step-By-Step Conventional LOANS Process

1. Apply in Minutes
Simple online application

2. Get Pre-Approved
Know your budget before house building

3. Choose Your Loan
We'll guide you the best FHA loan for you

4. Close & Move In
Hassle-free home financing from start to finish
Advantages of a Conventional Loan
Lower Mortgage Insurance Costs – No PMI required with 20% down
Easier Appraisal Process – Fewer restrictions compared to FHA loans
More Loan Options – Fixed and adjustable-rate mortgage options
Faster Loan Processing – Less paperwork and fewer government requirements
Higher Loan Limits – Great for purchasing high-cost homes
Stronger Home Equity Growth – Build equity faster with shorter loan terms
Flexible Property Types – Purchase primary, secondary, or investment properties
Conventional Loan vs. FHA Loan – Which Is Right for You?
FEATURE
Conventional Loan
FHA Loan
Down Payment
3% – 20%
3.5%
Credit Score
620+
580+
Mortgage Insurance
Not required if 20% down
Required
Debt-to-Income Ratio
Lower preferred
Higher allowed
Property Type
Primary, secondary, investment
Primary only
Why Choose Us for Your Conventional Loan?
At Trust Lending, we make the home loan process simple, transparent, and tailored to you. With over 20 years of experience, we’ll help you find the right Conventional Loan that fits your financial goals.
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Personalized Loan Solutions – We find the best financing option for you
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Expert Guidance – We navigate the mortgage process on your behalf
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Fast & Smooth Approvals – Quick processing with hassle-free closing
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Technology-Driven Service – Secure, seamless digital experience
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Trusted Experience – A lender with a proven track record of success

At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
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Personalized Loan Solutions – We customize every loan to match your financial goals.
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Expert Guidance – Our experienced team walks you through every step of the process.
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Fast & Smooth Approvals – We streamline the process to get you approved quickly.
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Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
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Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.
Learn More About Conventional Loans
What Is a Conventional Loan?
A Conventional Loan is a privately funded mortgage, meaning it isn’t backed by the government like FHA, VA, or USDA loans. These loans often require higher credit scores and down payments, but they offer more flexibility, lower costs over time, and more property options.
Types of Conventional Loans
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Fixed-Rate Loans – A stable interest rate for predictable monthly payments
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Adjustable-Rate Mortgages (ARM) – Lower initial rates with future adjustments
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Jumbo Loans – For homes exceeding standard loan limits
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Conventional 97 Loan – A 3% down payment option for first-time buyers