Conventional Loan. The classic, most flexible mortgage.
3% down options, no PMI paths, and the best rates for solid credit.
A conventional loan is the most common mortgage in Utah. If you have decent credit and some savings, this is usually the cheapest long-term path to owning a home. I'll walk through what you qualify for and whether a low-down-payment option or a 20% down loan makes more sense for your situation.
Is the Conventional loan right for you?
- Buyers with a credit score of 680 or higher
- Anyone putting at least 5% down
- Buyers wanting to avoid FHA mortgage insurance
- Move-up buyers selling an existing home
From quote to keys. No mystery.
Tell me about your situation, income, and timeline. 15 minutes.
Won't ding your score. I run your numbers and confirm the rate.
Real letter you can put in front of any seller in Utah.
I underwrite in-house and run the loan to the closing table myself.
Conventional loan questions.
Not the right fit? Try one of these.
3.5% down with credit scores as low as 580. Flexible debt-to-income limits.
Learn more$0 down, no PMI, and the lowest rates available. Thank you for your service.
Learn more100% financing in eligible Utah areas. Great for buyers outside the Wasatch Front.
Learn moreLoans from $806,501 and up. Park City, Holladay, and high-end Utah real estate.
Learn moreReady when you are.
Pre-approval takes about 15 minutes. No fees, no obligation, no spam. Just a real loan officer running the numbers with you.