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Conventional Loans

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

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Conventional Loan: Program Highlights & Borrower Benefits

Our Conventional Loan is a traditional mortgage option backed by Fannie Mae and Freddie Mac guidelines. It offers competitive rates, flexible terms, and is ideal for borrowers with stable income and solid credit profiles.

This is the standard most borrowers qualify under — and often the lowest-cost long-term option.

Built for buyers who want structure, stability, and strong pricing.

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Program Features

Loan Amounts: Up to conforming loan limits (higher limits available in certain counties)

Private Mortgage Insurance (PMI): Required under 20% down, removable once equity reaches 20%

Min Credit Score: 620+ (740+ preferred for better terms)

Down Payment: As low as 3% for first-time buyers (varies by credit profile)

Income Documentation: W-2s, pay stubs, tax returns (if applicable)

Loan Terms: 15-year, 20-year, and 30-year fixed options available

DTI Ratio: Typically up to 45%–50% depending on profile

Property Types: Single family residence, condo, 1-4 units

Occupancy: Owner-occupied, second home, and non-owner occupied available

Competitive rates.
Stable structure.
Long-term predictability.
This is the lowest-risk, most widely used mortgage option in the U.S.

Program Highlights

Loan Amounts: Up to conforming loan limits (higher limits available in certain counties)

Min Credit Score: 620+ (740+ preferred for better terms)

Down Payment: As low as 3% for first-time buyers (varies by credit profile)

Private Mortgage Insurance (PMI): Required under 20% down, removable once equity reaches 20%

Loan Terms: 15-year, 20-year, and 30-year fixed options available

Income Documentation: W-2s, pay stubs, tax returns (if applicable)

DTI Ratio: Typically up to 45%–50% depending on profile

Property Types: Single family residence, condo, 1-4 units

Occupancy: Owner-occupied, second home, and non-owner occupied available

Competitive rates.
Stable structure.
Long-term predictability.
This is the lowest-risk, most widely used mortgage option in the U.S.

How It Works

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.

Get Approved

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

Fund

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.

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.

Get Approved

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

Fund

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.

Equinox Makes Conventional Financing Strategic

At Equinox, we don’t just plug numbers into a system. We structure files properly from the start to:

  • Maximize approval strength
  • Improve underwriting speed
  • Position you for stronger pricing
  • Reduce last-minute conditions

We evaluate whether conventional truly makes sense — or if another structure saves you more long term.

Because sometimes “standard” isn’t optimal. Our job is to guide — not just process.

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Why Choose a Conventional Loan?

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First-time homebuyers
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Borrowers with steady W-2 income
9
Buyers with strong credit scores
9
Homeowners refinancing for better rates
9
Borrowers putting less than 20% down
9
Buyers looking for lower long-term costs
If you have consistent income and solid credit, this is often your most affordable long-term financing option.
Structure wins over shortcuts.
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We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

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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 a 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 whether 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 with 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 on the 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, condos, 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.
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5 Stars

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What Are You Waiting For?

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

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