Lower fees, flexible down payments, and faster approvals.
Conventional mortgages are not insured or guaranteed by FHA, VA, or USDA, and they are the most widely used type of home loan. They follow Fannie Mae and Freddie Mac guidelines, which means competitive fixed or adjustable rates, flexible terms, and options for primary homes, second homes, and investment properties. Down payments can start as low as about 3% for qualified borrowers, and mortgage insurance can be removed once you reach at least 20% equity, which can reduce your monthly payment over time.
No SSN required · Zero impact to credit · Never sold
Choose fixed or adjustable terms and match the payment structure to your short- and long-term plans.
Borrowers with stronger credit and income profiles often unlock better pricing and lower monthly costs.
This loan can work for a purchase today or a refinance focused on lowering fees, payments, or term length.
Tap the button and answer a few quick questions, no SSN needed.
Aaron's team finds the sharpest program for your scenario.
Review and lock the rate and structure that fits your goals.
Clear communication every step until you have the keys.
No. Many conventional programs allow much less down, including options starting at 3% for qualified buyers.
No. Conventional loans are commonly used for both purchases and refinances.
Many choose it for lower fees, flexible terms, and the potential for lower overall cost when they qualify well.
Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.