conventional loans
what you built, and what the system gets.
conventional loans
what you built, and what the system gets.
simple income. Clean File.
We have more choices so we can shop it harder
If your tax returns tell the real story of what you earn, conventional is almost always the least expensive way to buy a home. The strategy here isn’t finding a workaround — it’s finding the best rate across every lender who wants your file.
simple income. Clean File.
We have more choices so we can shop it harder
If your tax returns tell the real story of what you earn, conventional is almost always the least expensive way to buy a home. The strategy here isn’t finding a workaround — it’s finding the best rate across every lender who wants your file.
simple income. Clean File.
We have more choices so we can shop it harder
If your tax returns tell the real story of what you earn, conventional is almost always the least expensive way to buy a home. The strategy here isn’t finding a workaround — it’s finding the best rate across every lender who wants your file.
🦸
Your Superpower
You have the thing the mortgage system was actually built for — a documented, verifiable paycheck. That’s not boring. That’s leverage. Straightforward files get to shop on price, and we make every lender on our panel compete for yours.
🌀
Why this is usually the right answer
backed by Fannie Mae or Freddie Mac — quasi government entities — carry the lowest overall cost of borrowing for buyers who qualify on standard income and credit. No mortgage insurance once you reach 20% equity. No government funding fee. The widest lender pool, which means the most competition for your rate.
Who this is built for
1.
W-2 employees with two-plus years of steady, documentable income
2.
Buyers with credit scores of 620 and up (680+ unlocks the best pricing)
3.
Down payments from 3% (first-time buyers) to 20%+
4.
Proof of funds for down payment and closing costs — fully sourced and seasoned
Anyone who could technically use a non-QM product but doesn’t need to — conventional will almost always cost less
What the Lender will look at
1.
Two years of W-2s and recent pay stubs
2.
Two years of federal tax returns (self-employed portion of income, if any)
3.
Two months of bank statements for reserves and down payment sourcing
4.
Proof of funds for down payment and closing costs — fully sourced and seasoned
Credit report — 640+ typically needed for the widest program access
5.
Debt-to-income ratio — generally capped around 45–50% depending on the lender and loan program
🔥
WATCH OUT!!!
The things that can undermine this strategy
PMI applies below 20% down on most conventional loans. It cancels automatically at 78% loan-to-value*, but you can request removal earlier once you hit 80% with a new appraisal for owner occupied or second homes.
Large deposits in the two months before applying need a paper trail. Gift funds need a gift letter. Document it before the underwriter asks.
A job change or new debt between pre-approval and closing can change your numbers. Don’t finance a car or open a new card mid-transaction
*Except investment property
Your strategy starts here
Send your two most recent pay stubs and W-2s. We shop your file across our full lender panel and come back with the strongest rate — not just the first quote.
🦸
Your Superpower
You have the thing the mortgage system was actually built for — a documented, verifiable paycheck. That’s not boring. That’s leverage. Straightforward files get to shop on price, and we make every lender on our panel compete for yours.
🌀
Why this is usually the right answer
backed by Fannie Mae or Freddie Mac — quasi government entities — carry the lowest overall cost of borrowing for buyers who qualify on standard income and credit. No mortgage insurance once you reach 20% equity. No government funding fee. The widest lender pool, which means the most competition for your rate.
Who this is built for
1.
W-2 employees with two-plus years of steady, documentable income
2.
Buyers with credit scores of 620 and up (680+ unlocks the best pricing)
3.
Down payments from 3% (first-time buyers) to 20%+
4.
Anyone who could technically use a non-QM product but doesn’t need to — conventional will almost always cost less
What the Lender will look at
1.
Two years of W-2s and recent pay stubs
2.
Two years of federal tax returns (self-employed portion of income, if any)
3.
Two months of bank statements for reserves and down payment sourcing
4.
Credit report — 640+ typically needed for the widest program access
5.
Debt-to-income ratio — generally capped around 45–50% depending on the lender and loan program
🔥
WATCH OUT!!!
The things that can undermine this strategy
PMI applies below 20% down on most conventional loans. It cancels automatically at 78% loan-to-value*, but you can request removal earlier once you hit 80% with a new appraisal for owner occupied or second homes.
Large deposits in the two months before applying need a paper trail. Gift funds need a gift letter. Document it before the underwriter asks.
A job change or new debt between pre-approval and closing can change your numbers. Don’t finance a car or open a new card mid-transaction
*Except investment property
Your strategy starts here
Send your two most recent pay stubs and W-2s. We shop your file across our full lender panel and come back with the strongest rate — not just the first quote.
🦸
Your Superpower
You have the thing the mortgage system was actually built for — a documented, verifiable paycheck. That’s not boring. That’s leverage. Straightforward files get to shop on price, and we make every lender on our panel compete for yours.
🌀
Why this is usually the right answer
backed by Fannie Mae or Freddie Mac — quasi government entities — carry the lowest overall cost of borrowing for buyers who qualify on standard income and credit. No mortgage insurance once you reach 20% equity. No government funding fee. The widest lender pool, which means the most competition for your rate.
Who this is built for
1.
W-2 employees with two-plus years of steady, documentable income
2.
Buyers with credit scores of 620 and up (680+ unlocks the best pricing)
3.
Down payments from 3% (first-time buyers) to 20%+
4.
Proof of funds for down payment and closing costs — fully sourced and seasoned
Anyone who could technically use a non-QM product but doesn’t need to — conventional will almost always cost less
What the Lender will look at
1.
Two years of W-2s and recent pay stubs
2.
Two years of federal tax returns (self-employed portion of income, if any)
3.
Two months of bank statements for reserves and down payment sourcing
4.
Proof of funds for down payment and closing costs — fully sourced and seasoned
Credit report — 640+ typically needed for the widest program access
5.
Debt-to-income ratio — generally capped around 45–50% depending on the lender and loan program
🔥
WATCH OUT!!!
The things that can undermine this strategy
PMI applies below 20% down on most conventional loans. It cancels automatically at 78% loan-to-value*, but you can request removal earlier once you hit 80% with a new appraisal for owner occupied or second homes.
Large deposits in the two months before applying need a paper trail. Gift funds need a gift letter. Document it before the underwriter asks.
A job change or new debt between pre-approval and closing can change your numbers. Don’t finance a car or open a new card mid-transaction
*Except investment property
Your strategy starts here
Send your two most recent pay stubs and W-2s. We shop your file across our full lender panel and come back with the strongest rate — not just the first quote.
