Conventional Loans

Buy or Refinance Your Home. LTV up to 80% for Cash Out Or 97% For Home Purchases.


Need a Conventional Loan?

Need to buy or refinance a home?

A conventional loan is a loan that is not backed or insured by the government. Instead, it is issued by private lenders and follows guidelines set by Fannie Mae and Freddie Mac, two government-sponsored enterprises. As of 2024, the conforming limit is $766,550 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $1,149,825.

Conventional loans are popular among homebuyers with good credit and stable income who can afford a larger down payment and want to avoid additional mortgage insurance premiums.

We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you – whether you’re a first-time home buyer or a seasoned investor.

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How It Works

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Call or Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes. 

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Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved. 

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Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund. 

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Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to self-employed home buyers and borrowers. If you can’t provide proof of income or you are like most other business owners who have an overage of tax deductions, we can help you! 

Yes, We are the Conventional Mortgage Experts.

Here at Equinox Home Financing, we’ve helped thousands of borrowers either buy a home or refinance their mortgage by using a conventional loan. Once we have reviewed your loan application, we will be highly certain that you do qualify. This is why our conversion ratio is so high. Don’t believe us? Call us today to find out.

Funded Conventional Loans


Application to Closing Conversion

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Answers to Your Questions

What is a Conventional Loan?

A conventional loan is a type of home loan that is not backed by the government, like FHA or VA loans. Instead, this type of loan is issued by private lenders and follow the guidelines set by Freddie Mac and Fannie Mae. With a conventional loan, we look at things like your credit score, income, and down payment amount to see what you qualify for. The homeowner or buyer must demonstrate that they have enough income and credit history to qualify.

Here at Equinox, if you are unable to demonstrate this using traditional methods of qualification, we have alternative loan options that we can explore, including our No Income Home loan. 

Is My Credit Score a Factor in Getting Approved?

When doing a conventional loan, we do look at your credit score. It is a traditional loan and can go as low as 620 FICO score at times. With conventional loans, factors like past short sales, foreclosures, or derogatory credit have an impact on qualification. If your financial situation makes sense today, we can lend you the money you need for a conventional purchase loan or a refinance loan.

What Kind of Loan Terms Do You Offer?

Conventional loans can come in all types of loan terms. There are options that can help you get the payment that you need. Generally, conventional loans are available as a 30 Year Fixed Rate Mortgage. However, it is also available as a 5 Year Adjustable Rate Mortgage. If you want, we have a 7 Year Adjustable Rate Mortgage available and a 15 Year Fixed Rate option available as well. 

How Do I Get Qualified?

The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many borrowers purchase or refinance their homes. First step is to call us, a professional will help consult you and explain how our programs work in detail. There are many types of programs and it’s best to speak with us so we can guide you in the right direction.

What Type of Properties Can I Finance?

It depends what type of loan program you are qualified for. With a conventional loan program, we can offer this loan on an Owner Occupied, Second Home, or Investment property. We can lend on single family residences, condo’s and 1-4 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers

cali house

Los Angeles, California

  • Bank Statement Loan
  • 10% Down Payment
  • $1,200,000 Loan Amount

Tampa, Florida

  • Bank Statement Loan
  • 25% Down Payment
  • $475,000 Loan Amount

Plano, Texas

  • 2 Year 1099 Loan
  • 15% Down Payment
  • $505,000 Loan Amount


Read what our customers are raving about

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What Are You Waiting For?

Call us today. A licensed representative is on stand by to help you with your financing needs. There’s no need to wait any longer. Get financing now!