Conventional Loan
What's a conventional loan?
A conventional loan is a type of mortgage offered by private lenders, such as banks or credit unions, that is not guaranteed or insured by a government agency like the FHA, VA, or USDA.
Borrowers typically need excellent credit, stable income, and a down payment (often around 3% to 20%).
Conventional loans usually have stricter approval requirements compared to government-backed loans but can offer:
✅ Lower costs
✅ More flexibility
✅ Fewer fees
✅ Lower monthly payments
Conventional Calculator
Rates/APR and closing costs are subject to change without notice and may vary based on individual circumstances. A Loan Professional will provide you with a Loan Estimate tailored to your selected program. All information provided is subject to change at any time.
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Equal Housing Opportunity © 2025 Dream Team Funding & Realty is a DBA of Apache Mortgage Inc, 1082 N Anaheim Blvd Unit 1, Anaheim, CA 92801, 949-298-2980. NMLS ID# 2454357 DRE# 02209550. For California Department of Real Estate licensing information go to https://www.dre.ca.gov. For mortgage licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions: income, employment, liabilities, credit, and property eligibility. This is not a commitment to lend. Other restrictions apply. [03-2025] Privacy Policy and Reg P.