Conventional loans that offer stability and choice.
A Conventional loan rewards strong credit with control and flexibility. Choose your term, build equity, and remove PMI for good while owning with confidence.
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When a conventional loan makes sense
You want your credit to work for you.
Good credit unlocks better rates and long term savings. A Conventional loan rewards your work with lower costs and lasting stability.
You’re done paying PMI forever.
With a Conventional loan, you can avoid PMI upfront with 20 percent down or remove it later as equity grows, creating long term savings and freedom.
You like having choices.
A Conventional loan lets you choose your pace with 15 or 30 year terms that fit your life and payments.
You’ve got your eye on a specific home.
Condos, single-family, townhomes, conventional guidelines often make qualifying easier for the property you actually want.
You want the cleanest path to closing.
Streamlined digital docs. No extra program hoops. Just a straight shot from offer to keys.
Our Rates For You
CONV 30 Year Purchase
CONV 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
30-Year Fixed
15-Year Fixed
With 20% Down
See your buying potential
A conventional home loan offers flexible terms and competitive rates to help you move forward with confidence. Use the calculator to estimate your monthly payment and see what fits comfortably within your budget.
Why conventional mortgages stand out
Keep your cash where it matters.
Every dollar saved on program fees can go into your home, your furnishings, or the savings that help you sleep at night.
PMI that knows when to leave.
Private mortgage insurance is not permanent. With a conventional loan, it drops once you build enough equity, freeing cash for what matters.
Reward for the work you’ve done.
Strong credit pays off here with better terms, lower costs, and more control than a one size mortgage.
Freedom to choose the home you want.
Conventional guidelines give you flexibility to buy the property that fits your life, not just your loan.
Conventional vs Other Loans
Conventional
FHA
VA
USDA
For homes beyond standard loan limits.
High value homes should not mean high stress financing. A conventional loan with jumbo options offers competitive rates, simple terms, and a clear path to purchase without compromise.
Physician focused financing at every career stage.
You have invested years in training, even if debt or work history does not show it yet. A conventional loan with doctor loan options offers flexible down payments, often no PMI, and underwriting built for medical professionals.
Real people. Real challenges. Real mortgage success.
What if clear answers helped you make the right move?
Still unsure? Talk to someone who hears you, not a script.
A Conventional Loan is a traditional mortgage not backed by the government, which gives buyers more flexibility in how they qualify and repay. Many choose a conventional mortgage for predictable payments, competitive interest rates, and the option to remove PMI once enough equity is built.
Most lenders require a credit score of at least 620 for a conventional loan, and higher scores can unlock better rates. A strong credit history shows lenders you are reliable, which often results in lower monthly payments over the life of your conventional mortgage.
A conventional loan usually requires at least 3 to 5 percent down, though putting 20 percent down allows you to avoid PMI. Flexible down payment options make conventional mortgages accessible while rewarding buyers who save more with long term savings and lower costs.
Yes, most conventional loans require PMI if your down payment is under 20 percent. The good news is that PMI on a conventional mortgage can be removed once you build enough equity, unlike FHA loans where mortgage insurance often lasts for the life of the loan.
Yes. A conventional loan can be refinanced to lower your rate, shorten your term, or tap into home equity. A conventional refinance gives you flexibility to adjust your mortgage as your financial goals change.
A conventional loan can be used for single family homes, condos, townhomes, and even certain multi unit properties. Conventional mortgage guidelines often make it easier to qualify for the property you want compared to other loan programs.
A conventional loan is often the best choice for buyers with higher credit scores and larger savings, since it can offer lower long term costs. FHA and VA loans may be better for buyers with limited credit or no down payment. The right option depends on your financial goals and how you want to manage monthly payments.
Yes. A conventional loan includes jumbo loan options for homes that exceed standard loan limits. Jumbo conventional mortgages offer competitive rates and straightforward terms without requiring multiple loans to cover the purchase price.
A conventional loan is best for buyers with steady income, good credit, and some savings for a down payment. This type of mortgage rewards preparation by offering lower long term costs, flexible terms, and the chance to remove PMI once enough equity is built.
With a conventional loan, you can close in as little as 14 days when all documentation is prepared before the process begins. Having paperwork ready allows the lender to move quickly, giving you a faster path from offer to keys.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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