The standard route, and usually the cheapest one.
Conventional home loans across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Not government-backed, so the lender carries the risk and prices your credit accordingly. Strong credit is rewarded here more than anywhere else.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Conventional is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | |
|---|---|---|
| Your credit is in good shape | Conventional rewards a clean history with the lowest long-run cost of any purchase program | Compare with FHA |
| You have something saved | More down means better pricing and, eventually, no mortgage insurance at all | Down payment help |
| You want the mortgage insurance to end | Unlike some programs, conventional mortgage insurance comes off once you have built enough equity | Refinance options |
| You are buying a second home | Conventional is the usual route for a holiday home rather than a rental | Second homes |
| The price is above your county ceiling | Past a certain point it stops being conventional and becomes a jumbo | Jumbo loans |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a conventional file needs
A credit history worth reading
Not just a number. Lenders look at what happened, when, and whether anything has gone wrong since.
A deposit
How much changes the pricing and whether mortgage insurance applies at all. Gift funds from family are usually accepted.
Income you can evidence
W-2s and pay stubs are simplest. If you work for yourself, a different program may read your income better.
Room in your monthly budget
Existing car payments, cards and student loans all count against what is left for a mortgage.
A property that qualifies
Condominiums, rural addresses and homes needing work each narrow the field of willing lenders.
A loan inside the county limit
Every county sets its own conforming ceiling. Above it, the loan becomes a jumbo.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Credit is priced harder here
Conventional charges more for a weaker credit history than FHA does. If your credit has taken a knock, we will price both and show you which actually costs less.
Mortgage insurance does not remove itself
It falls away once you own enough of the home, but almost nobody is told to ask. We check back with our clients when they get there.
The county ceiling moves
What counts as conventional in Fairfax is different from Baltimore or Charlotte. We check your county before you write an offer.
Nadeem Bhatti
Where we place conventional loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about conventional loans
Is a conventional loan better than FHA?
It depends entirely on your credit. Above a certain point conventional usually costs less over five years. Below it, FHA usually wins. We price both side by side before you choose.
Can my family help with the deposit?
Usually yes. Gift funds from family are widely accepted, though the lender needs a signed letter and a clear paper trail from their account into yours.
When does the mortgage insurance stop?
Once you own enough of the home outright. It is one of conventional lending’s real advantages, and one most borrowers forget to claim.
Can I use a conventional loan for a rental?
For a second home you live in part of the year, usually. For a property bought to rent out, a DSCR loan is normally the better route.
What if my credit is not strong?
Then conventional may not be your cheapest option. That is exactly the comparison we run before recommending anything.
See whether conventional is your cheapest route
Tell us how you get paid. We will price conventional against the alternatives and send it to you in writing, free.