As Little as 3% Down
Qualified buyers can get in with a down payment as low as 3% of the purchase price.
The most popular home loan in America. Conventional loans offer flexible down payments and competitive rates — a straightforward path to buying or refinancing for borrowers with solid credit.
A Conventional loan is a mortgage that isn't insured or guaranteed by the federal government. It's the most common home loan and is ideal for buyers with good credit — from first-time buyers to investors — offering fewer restrictions and often faster processing than government-backed loans.
It's the loan we close most often for Emerald Coast families buying a primary home — from Panama City Beach to Destin and the 30A communities.
Qualified buyers can get in with a down payment as low as 3% of the purchase price.
Strong credit unlocks some of the most competitive interest rates available.
Use a Conventional loan to purchase, build from the ground up, or refinance the home you own.
Put 20% down to skip private mortgage insurance — and PMI cancels automatically as you build equity.
Three simple steps from “just looking” to keys in hand.
You'll typically need a credit score around 620 or higher, a debt-to-income ratio of 43% or less, and a down payment between 3% and 20%.
A quick pre-qualification shows sellers you're serious and gives you a clear price range to shop in.
Have your ID, income (W-2s or pay stubs), and asset statements ready to finalize your application.
Let’s find out if a Conventional Loan is the right fit for you. It takes just a few minutes — no obligation.