Conventional Loans: Competitive Rates & Classic Stability
Strong options at as little as 3% down, plus jumbo and specialized pricing for qualified borrowers.
Conventional Loans for Every Goal
Primary Residence
Second Home
Investment Property
Why Conventional with ABF
Conventional loans offer flexibility and competitive terms for borrowers with good credit and stable income.
Down Payment Options
Choose the down payment that fits your budget and goals.
Jumbo Loan Expertise
When You Need a Jumbo Loan
- Loan amounts exceeding $766,550 (2024 conforming limit)
- High-value properties in California markets
- Luxury homes and premium locations
- Investment properties above conforming limits
Credit Score
Typically 700+ for best rates
Down Payment
Usually 10-20% minimum
Reserves
2-6 months of payments in assets
Documentation
Full income and asset verification
Success Stories
Scenario:
Family selling their starter home to purchase a larger property, using equity for down payment.
Solution:
Conventional loan with 15% down, competitive rate, and quick closing to secure dream home.
Scenario:
Homeowner with improved credit wanting to lower their monthly payment and remove PMI.
Solution:
Refinanced to lower rate, eliminated PMI with current equity, saving $400/month.
Scenario:
Homeowner accessing equity for home improvements and debt consolidation.
Solution:
Cash-out refi at competitive rate, consolidated high-interest debt, funded renovations.
Scenario:
Professional couple buying vacation home in mountain resort area.
Solution:
Conventional loan with 25% down, competitive second home rates, smooth remote closing.
Conventional Loan FAQ
Get Your FREE Conventional Loan Quote
See your conventional loan options and competitive rates.