Conventional Loans - Align Lending

FOR HOME BUYERS

Conventional Loan: Stability & Long-Term Savings

Conventional loans are the most common mortgage type in the U.S., offering a variety of terms and options for homebuyers who meet typical credit and income standards. With competitive rates, flexible down payment choices, and long-term savings, conventional mortgages are a great fit for buyers seeking stability and equity growth.

A home loan that makes home more affordable.

Flexible Down Payments

Options as low as 3% down for first-time buyers.

Lower Mortgage Insurance Costs

PMI can be canceled once you reach 20% equity.

Competitive Rates

Ideal for borrowers with strong credit.

Vertasile Use

Can be used for primary residences, second homes, or investment properties.

What our Clients Say

Excellent 5.0 | 86 Reviews

5.0

Based on 88 reviews

review us on

Kayla P

01:13 22 Jul 25

If I could recommend Sam a million times I would. She made the process of buying our first home effortless. I’m grateful to have had her as our broker and even recommended a wonderful realtor as well!

Response from the owner 06:02 22 Jul 25

Thank you, Kayla P., for your fantastic review! We’re thrilled to hear that Sam made your first home buying experience so effortless. It’s wonderful to know she could also assist you with a great realtor! We appreciate your recommendations and are here for any future mortgage needs.Thank you for allowing us the opportunity to Align your dream of homeownership!

Benjamin Shafer

20:13 20 Jun 25

Samantha is a rockstar! She provided expert help and guided me through the loan process in terms that were easy to understand and made the whole experience painless!

Response from the owner 23:38 20 Jun 25

Thank you, Benjamin Shafer, for your fantastic review! We’re delighted to hear that Samantha made your loan process seamless and easy to understand. Our team is here for any future mortgage needs, and we appreciate you sharing your experience with others!Thank you for allowing us the opportunity to Align your dream of homeownership!

Sarah D

13:53 03 Jun 25

Kevin was great! Very helpful, knowledgeable and communicative throughout my refinance.

Ben Davis

20:17 12 Feb 25

Taylor is the best. She's so sweet and has great rates. If you need a skilled loan officer, she's the one to talk to.

Response from the owner 20:27 12 Feb 25

Thank you for your kind words, Ben! We're thrilled to hear that Taylor made such a positive impact on your experience. We'll be sure to pass along your compliments to her!

Mark K

15:48 21 Oct 24

Everyone at Align knows what they’re doing. Ryan took the time to answer every question I had, and overall made the process as a first time home buyer stress-free.

Response from the owner 15:58 21 Oct 24

Thank you for your wonderful review, Mark! We're thrilled to hear that Ryan was able to assist you and make your experience stress-free. Your satisfaction as a first-time home buyer is our top priority. We appreciate your feedback and look forward to helping you again in the future!

Travis Krakowski

22:03 19 Aug 24

Travis and the team at Align Lending are hands down the best mortgage option for anyone looking to buy or refinance. Travis spent as much time as it took to be sure I was in the best spot to buy a house and stuck with me through it all. I am so proud of my home and none of it would have been possible without Travis.

Realnvest Academy

03:31 26 Jun 24

Very professional and knowledgeable, highly recommend for your lending needs!

Justin Barton

22:08 17 Jun 24

Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend

Jamie

17:49 17 Jun 24

Samantha is a rockstar. We had an unusual situation with our lending and she went above and beyond to help us get our mortgage approved. I truly feel that if we had worked with any other lender or broker, we would not have been able to close on time, or maybe at all. I am beyond happy with the work Samantha did for us and how she handled the entire process. I cannot say enough good things about the work she did for me and my husband. I will be recommending Align Lending and Samantha to anyone that needs a lender.

matthew sykora

16:29 22 Mar 24

Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!

The Pettifords

00:37 07 Jan 24

As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!

Shawna Schink

22:36 01 Jan 24

Samantha was absolutely wonderful to work with when we purchased our new home last month. She made herself available day and night for us and was always able to quickly respond to our questions. She made the entire process so comfortable and easy. 10/10 would highly recommend!!

Angela Hunt

13:05 12 Oct 23

Samantha and align lending are always a pleasure to work with. I recommend my clients here and they always are quick to help, knowledgeable and make the process as smooth as possible. We will definitely keep using them for our mortgage needs in the future.

Guidelines for this Loan

If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.

Credit Score

Typically 620+ for standard approval.

DTI

Keep your debt-to-income ratio below 45% for the best terms.

Credit And Debt

Must fall within the conforming loan limit (varies by county).

Closing Costs

In addition to your down payment, you’ll need enough funds to cover closing costs.

Loan Term

Choose from 10, 15, 20, or 30 years.

Estimate and Explore

Calculators are a great way to learn and see what’s possible.

Get More In-Depth Details

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Frequently Asked Questions

Answers to questions about this loan we heard from people like you during research.

Whats the difference between a Conventional and VA loan

FHA loans are government-backed with easier qualifications, but they require mortgage insurance for the life of the loan. Conventional loans offer more flexibility with insurance and better long-term cost savings for well-qualified borrowers.

When Does PMI Go Away?

Private mortgage insurance (PMI) is automatically canceled once you reach 78% loan-to-value (LTV) or can be requested once you reach 80% LTV based on home appreciation or payments.

Can I Use Gift Funds with a Conventional Loan?

Yes. You can use gift funds for your down payment and closing costs, though restrictions may apply depending on the property type and loan structure.

Are There Income Limits?

Not for standard conventional loans. However, some low down payment programs like HomeReady® and Home Possible® have income limits.

Can I Use This Loan for a Second Home?

Absolutely. Conventional loans are one of the best options for vacation or investment properties.