Conventional Mortgage Financing in Florida
Fannie Mae and Freddie Mac conforming loans for primary residences, second homes, and investment properties — with competitive rates and flexible terms.
Conventional Loans — The Foundation of Real Estate Financing
Conventional loans are the most widely used mortgage product in the US. Backed by Fannie Mae or Freddie Mac, they offer competitive rates, flexible down payment options, and broad property eligibility. Whether you're buying a primary home or adding to your investment portfolio, conventional financing is often the lowest-cost option for qualified borrowers.
"Competitive rates. Flexible terms. The foundation of real estate financing."
For primary residences, second homes, and investment properties — conventional loans offer the broadest range of options.
Conventional Loan Advantages
Competitive Interest Rates
Conventional loans typically offer the lowest rates available for qualified borrowers.
Down Payment from 3–5%
Primary residence purchases with as little as 3% down for qualified buyers.
Investment Properties
Finance up to 10 conventional investment properties with Fannie Mae guidelines.
No PMI at 20% Down
Avoid private mortgage insurance with a 20% or greater down payment.
Fixed & Adjustable Rates
Choose from 15, 20, or 30-year fixed terms, or adjustable-rate options.
Broad Property Types
Single-family, condos, townhomes, 2–4 unit properties, and more.
How Conventional Loans Work
Pre-Qualification
Review income, credit, and assets to determine your maximum loan amount and best rate.
Application & Documentation
Submit income docs, tax returns, and asset statements for underwriting.
Appraisal & Underwriting
Property appraisal and full underwriting review — typically 2–3 weeks.
Clear to Close
Final approval and closing — typically 21–30 days from application.
Common Questions
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