Purchase

Accessible conventional purchase

Conventional programs designed for qualified buyers with modest down payments and education requirements.

Lower down payment conventional
Homebuyer education may apply
Income limits in some markets

Who it is for

Buyers who want a conventional loan with a smaller down payment and can complete any required counseling.

Accessible conventional products sit between standard conventional and FHA. We compare the monthly cost, mortgage insurance, and income limits so you are not locked into the wrong government or agency box.

Questions

Is this FHA?: No. It is still conventional. Mortgage insurance and income/occupancy rules differ from FHA.

Related programs

3% down
Agency and specialty programs that keep cash to close lower for qualified buyers.
FHA
Lower down payment and more flexible credit for owner-occupied purchases.

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.

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