Purchase
Conventional purchase
Agency-backed financing for borrowers with documented income and a clean credit profile.
- Primary, second home, or investment
- Competitive pricing when guidelines fit
- Fixed and adjustable structures
Who it is for
W-2 and self-employed borrowers who can document income the conventional way.
Conventional purchase loans remain the core option when income, credit, and occupancy fit agency or jumbo overlays. Palazzo Mortgages structures the file around the property and the borrower — not a one-size worksheet.
We compare conventional against FHA, VA, and alternative-doc options when a small overlay would otherwise force a decline. The goal is a clean close, not the first program that looks familiar.
Questions
- Is conventional always the lowest cost?
- Not always. Government, jumbo, or Non-QM can price or qualify better depending on down payment, occupancy, and documentation.
- Can I buy with a condo or co-op?
- Often yes, subject to project review. Non-warrantable buildings may need a Non-QM or specialty program.
Related programs
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.