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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.
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.
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A CONVENTIONAL LOAN?
• Low Down Payment – As low as 3% down for qualified buyers
• No Mortgage Insurance with 20% Down – Save on monthly payments
• Higher Loan Limits– Borrow more for high-cost homes
• Flexible Loan Terms – Choose between fixed and adjustable rates
• Refinancing Options – Lower your rate or access home equity
CONVENTIONAL LOAN QUALIFICATIONS
• Minimum credit score of 620+
• Down payment as low as 3%
• Lower debt-to-income (DTI) ratios preferred
• No government restrictions on income or property type
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A CONVENTIONAL LOAN?
• Zero Down Payment – Buy a home with no money down
• Low Interest Rates – Competitive, fixed-rate financing
• Flexible Credit Requirements – Easier approval than conventional loans
• Reduced Mortgage Insurance – Lower monthly costs than FHA loans
• Eligible for Rural & Suburban Areas – Not just for farmland!
CONVENTIONAL LOAN QUALIFICATIONS
• Must be an eligible veteran, active-duty service member, or military spouse
• Existing VA Loan for VA IRRRL (Streamline Refinance only available for VA loans)
• Stable income & ability to repay (varies by lender)
• Minimum credit score varies by lender (typically 580+ for cash-out refinance)
• Must meet VA loan occupancy requirements (primary residence required for some programs)
STEP-BY-STEP CONVENTIONAL LOANS PROCESS
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
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
ADVANTAGES OF A CONVENTIONAL LOAN
Lower Mortgage Insurance Costs – No PMI required with 20% down
More Loan Options – Fixed and adjustable-rate mortgage options
Higher Loan Limits – Great for purchasing high-cost homes
Flexible Property Types – Purchase primary, secondary, or investment properties
Easier Appraisal Process – Fewer restrictions compared to FHA loans
Faster Loan Processing – Less paperwork and fewer government requirements
Stronger Home Equity Growth – Build equity faster with shorter loan terms
Lower Mortgage Insurance Costs – No PMI required with 20% down
More Loan Options – Fixed and adjustable-rate mortgage options
Higher Loan Limits – Great for purchasing high-cost homes
Flexible Property Types – Purchase primary, secondary, or investment properties
Easier Appraisal Process – Fewer restrictions compared to FHA loans
Faster Loan Processing – Less paperwork and fewer government requirements
Stronger Home Equity Growth – Build equity faster with shorter loan terms
CONVENTIONAL LOAN VS. FHA LOAN – WHICH IS RIGHT FOR YOU?
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
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?
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.
• Personalized Loan Solutions – We find the best financing option for you
• Expert Guidance – We navigate the mortgage process on your behalf
• Fast & Smooth Approvals – Quick processing with hassle-free closing
• Technology-Driven Service – Secure, seamless digital experience
• Trusted Experience – A lender with a proven track record of success
At Trust Lending, we specialize in helping homebuyers take advantage of USDA loan benefits, making homeownership more affordable than ever.
• Personalized Loan Solutions – We tailor USDA loans to your needs
• Expert Guidance – We simplify the USDA eligibility process
• Fast & Smooth Approvals – Quick processing & hassle-free closing
• Technology-Driven Service – Secure, digital-first experience
• Compliance & Integrity – We ensure USDA loan requirements are met
LEARN MORE ABOUT CONVENTIONAL LOANS
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
• Fixed-Rate Loans – A stable interest rate for predictable monthly payments
• Adjustable-Rate Mortgages (ARM) – Lower initial rates with future adjustments
• Jumbo Loans – For homes exceeding standard loan limits
• Conventional 97 Loan – A 3% down payment option for first-time buyers
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
• Fixed-Rate Loans – A stable interest rate for predictable monthly payments
• Adjustable-Rate Mortgages (ARM) – Lower initial rates with future adjustments
• Jumbo Loans – For homes exceeding standard loan limits
• Conventional 97 Loan – A 3% down payment option for first-time buyers
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
NMLS #204041
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Helpful Links
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
Services
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
NMLS #204041
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
Services
Conventional Loans
FHA Loans
Reverse Mortgages
VA Loans
Jumbo Loans
Foreign National Loans
Helpful Links
Accessibility Statement
Company Overview
Terms and Conditions
Privacy Policy
NMLS Consumer Access
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.