Conventional Home Loans Designed Around Your Goals

Whether you’re buying your first home, upgrading to a larger property, investing in real estate, or refinancing your current mortgage, a conventional loan offers flexibility, competitive interest rates, and a variety of financing options. At Duane Buziak Mortgage Maestro, we compare loan programs from hundreds of lenders to help you secure the right conventional mortgage with the best possible terms.

Get pre-approved today with a fast, hassle-free process and discover how much home you can comfortably afford.

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What Is a Conventional Loan?

A conventional loan is a mortgage that is not insured or guaranteed by the federal government. Instead, it follows lending guidelines established by Fannie Mae and Freddie Mac.

Conventional mortgages are among the most popular home loan options because they offer:

• Competitive interest rates
• Flexible loan terms
• Low down payment options
• No upfront mortgage insurance fee
• Multiple property types
• Ideal for primary residences, second homes, and investment properties

If you have a stable income and good credit, a conventional loan can be one of the most affordable financing options available.

Why Choose a Conventional Mortgage?

Unlike government-backed loans, conventional financing provides more flexibility and fewer long-term costs for many borrowers.

Benefits Include:

✔ Down payments as low as 3%

✔ Fixed-rate and adjustable-rate options

✔ Loan terms from 10 to 30 years

✔ Cancelable Private Mortgage Insurance (PMI)

✔ Higher loan limits available

✔ Lower monthly mortgage insurance costs than many government loans

✔ Available for primary homes, vacation homes, and investment properties

✔ Competitive rates from hundreds of wholesale lenders

Conventional Loan Programs We Offer

Conventional Purchase Loans

Purchase your dream home with flexible financing designed around your budget.

Ideal for:

• First-time buyers
• Move-up buyers
• Downsizing homeowners
• Vacation homes

Conventional Refinance

Lower your interest rate, reduce your monthly payment, or shorten your loan term.

Benefits include:

• Lower monthly payments
• Eliminate mortgage insurance
• Pay off your home faster
• Consolidate debt

Cash-Out Refinance

Use your home’s equity to finance important life goals.

Popular uses include:

• Home improvements
• Debt consolidation
• College tuition
• Investment opportunities
• Emergency expenses

Adjustable Rate Mortgages (ARM)

Looking for lower initial payments?

An ARM may provide:

• Lower introductory interest rates
• Reduced monthly payments
• Great option if you plan to move within several years

Conventional Loan Requirements

While every lender has different guidelines, many borrowers qualify with:

Every borrower is unique. We’ll review your financial profile and help determine which conventional loan best fits your situation.

How Much Down Payment Do You Need?

One of the biggest myths about buying a home is that you need 20% down.

In reality, many qualified buyers can purchase a home with as little as 3% down through conventional financing.

Common Down Payment Options

• 3% – First-time qualified buyers
• 5% – Standard conventional purchase
• 10% – Lower monthly mortgage costs
• 20%+ – No Private Mortgage Insurance (PMI)

We’ll help you compare all available options to find the one that best aligns with your budget and long-term financial goals.

Understanding Private Mortgage Insurance (PMI)

If your down payment is less than 20%, most conventional loans require Private Mortgage Insurance (PMI).

The good news is:

• PMI is typically less expensive than FHA mortgage insurance.
• PMI can often be removed once sufficient home equity is reached.
• Removing PMI can significantly reduce your monthly payment over time.

Our team will explain your PMI options before you choose a loan.

Fixed Rate vs Adjustable Rate

Not sure which is right for you? We’ll compare both scenarios so you can make an informed decision.

Why Work with a Mortgage Broker?

Unlike banks that offer only their own loan products, a mortgage broker shops your loan across a wide network of wholesale lenders.

That means you gain access to:

• Hundreds of loan programs
• Competitive interest rates
• Flexible underwriting options
• Faster approvals
• Personalized mortgage advice
• Financing solutions tailored to your goals

Our mission is simple: find the loan that works best for you—not the one that benefits a single lender.

Our Conventional Loan Process

Step 1 – Free Consultation

We’ll discuss your homeownership goals, budget, and financing needs.

Step 2 – Mortgage Pre-Approval

Complete a simple application and upload your documents securely.

Step 3 – Compare Loan Options

We’ll shop multiple lenders to identify the most competitive rates and terms available.

Step 4 – Choose Your Loan

Review your options and select the financing solution that best fits your needs.

Step 5 – Closing Day

Finalize your loan, sign your documents, and receive the keys to your new home—or complete your refinance with confidence.

Why Choose Duane Buziak Mortgage Maestro?

When you work with us, you’re getting more than a mortgage—you’re gaining a trusted advisor committed to helping you succeed.

We Offer:

• Access to hundreds of lenders
• Competitive wholesale mortgage rates
• Personalized mortgage solutions
• Fast pre-approvals
• Clear communication throughout the process
• Expert guidance from application to closing
• Dedicated support before, during, and after your loan closes

We’re committed to making your mortgage experience simple, transparent, and stress-free.

Frequently Asked Questions

Is a conventional loan better than an FHA loan?

It depends on your financial situation. Conventional loans often have lower long-term costs for borrowers with stronger credit and can allow PMI to be removed once sufficient equity is built.

Can I qualify with less than 20% down?

Yes. Many conventional loan programs allow qualified buyers to purchase a home with as little as 3% down.

What credit score is needed?

Many lenders look for a minimum credit score of around 620, though stronger scores typically qualify for better interest rates and loan terms.

Can I buy an investment property?

Yes. Conventional loans can be used to finance primary residences, second homes, and many investment properties.

Can I refinance into a conventional loan?

Absolutely. Many homeowners refinance from FHA or other loan types into a conventional mortgage to reduce monthly costs, remove mortgage insurance, or access home equity.

Ready to Get Started?

Whether you’re buying your first home, upgrading, refinancing, or investing in real estate, our team is here to help you find the right conventional loan with competitive rates and personalized guidance.

Let’s compare your options and find the mortgage that fits your goals.

Call today or start your secure online pre-approval to take the next step toward homeownership with confidence.