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What is a Fixed Conventional Mortgage?

A conventional 30-year fixed mortgage is a home loan that is not backed by the government (unlike FHA or VA) and locks in a fixed interest rate for 30 years. 
 
That means:
  • Same principal + interest payment every month
  • Predictable budgeting—no surprises if market rates rise
  • Can be used for primary residences, second homes, or investment properties

✔️ Stable Monthly Payments
Your rate never changes. Perfect for long-term homeowners.

✔️ Lower Monthly Payment
Spreading principal over 30 years lowers your payment vs. shorter-term loans

✔️ No PMI with 20% Down
If you put at least 20% down, you avoid private mortgage insurance

✔️ Flexible Property Use
Buy a single-family home, condo, second home, or investment property.

✔️ Credit-Friendly
Credit score requirements start around 620, with 680+ earning the best rates
 
 
Have questions? One of our mortgage specialists would be happy to answer all of your questions.
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What is an FHA Loan?

An FHA loan is a home loan backed by the Federal Housing Administration, which is a department within the U.S. Department of Housing and Urban Development. With an FHA loan, you’ll get:
  • More lenient qualification guidelines, including lower credit score and down payment requirements.
  • Slightly lower interest rates than a conventional loan.
  • Can be used for primary residences only.
     
In this guide, we’ll cover how FHA loans work and help you understand whether an FHA loan is a good fit for your homebuying journey.
 

✔️ Lower Down Payment Requirements

FHA loans only require a 3.5% down payment for buyers with a credit score of 580 or higher, making it a great option for borrowers who have less savings in the bank.
 

✔️ Lower Credit Score Requirements

Buyers can qualify for an FHA loan with a credit score as low as 580 FICO and a 3.5% down payment. Buyers can also qualify with a credit score between 500-579 FICO if they put at least 10% down.
 

✔️ Closing Costs Rolled Into the Loan

Most FHA loans allow buyers to roll closing costs into the loan, which significantly lowers the financial outlay due at closing.
 

✔️ Helps First-Time Buyers Start Homeownership Journey

The three financial factors above make FHA loans a popular option for first-time homebuyers who might not have the savings or credit to qualify for a conventional loan.
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VA Loans

What is a VA Loan?

 
VA loans are home loans backed by the U.S. Department of Veterans Affairs. Designed to help active-duty service members, veterans, and certain surviving spouses achieve homeownership, VA loans offer some of the most powerful benefits in the mortgage world, including no down payment, no private mortgage insurance (PMI), and competitive interest rates. With a VA loan, you’ll get:
 
  • 0% down payment (in most cases)
  • No monthly mortgage insurance (PMI)
  • Competitive interest rates, often lower than FHA or Conventional
  • Flexible credit and income guidelines
  • The ability to finance closing costs and even some fees
  • Available for primary residences only
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