Conventional loans often provide attractive interest rates for borrowers with strong credit, helping you save over the life of your mortgage.
Choose from a variety of loan terms, including fixed-rate and adjustable-rate mortgages, to match your budget and long-term plans.
If your down payment is less than 20%, private mortgage insurance (PMI) may be required—but unlike some government-backed loans, PMI can often be removed once you build enough equity.
Conventional loans are a great option for first-time buyers, repeat buyers, vacation homes, investment properties, and refinancing opportunities.
A conventional loan is a mortgage that isn't insured or guaranteed by a government agency. Instead, it follows lending guidelines established by Fannie Mae and Freddie Mac. These loans are one of the most popular financing options because they offer flexibility, competitive interest rates, and a wide range of loan programs for qualified borrowers. Whether you're purchasing your first home or your forever home, a conventional mortgage may provide the financing solution that best fits your needs.
Conventional loans generally offer the best terms to borrowers with a solid credit history and responsible financial habits.
Depending on the loan program, qualified buyers may be able to purchase a home with a relatively low down payment, while larger down payments can reduce monthly costs.
Lenders review your employment history and income to ensure you can comfortably manage your mortgage payments.
Your monthly debt obligations are considered to determine whether your income supports the new mortgage payment.
Personalized recommendations to determine whether a conventional loan is the right financing option for your goals.
Guidance comparing conventional, FHA, VA, and USDA loans so you can make an informed decision.
Clear communication throughout the mortgage process with answers to your questions every step of the way.
A smooth, responsive experience from pre-approval through closing.

PrimeLending's Lori Meaney specializes in connecting Central Florida families with the right home loan — from first-time buyers to seasoned homeowners.
3200 SW 34th Ave, Bldg 100, Suite 102
Ocala, FL 34474
© PrimeLending, a Plains Capital Company · NMLS ID 13649 · Lori Meaney NMLS# 1132235 · All loans subject to credit approval.