A flexible, widely accepted mortgage option with competitive rates, ideal for well-qualified buyers seeking versatility in property type and loan terms.
SCROLL TO DISCOVER
A conventional mortgage is the most common type of home loan, offering flexibility, competitive rates, and broad approval across property types. Unlike government-backed loans, conventional financing is supported by private lenders and ideal for well-qualified buyers with strong credit, stable income, and reliable financial documentation. Down payments can be as low as 3% for first-time buyers, and borrowers can choose between fixed or adjustable-rate terms. Conventional loans are available for single-family homes, condominiums, and multi-family properties with up to four units, making them a versatile option whether you're purchasing a primary residence, second home, or investment property. This type of loan is widely accepted by sellers and trusted by real estate professionals, making it a powerful tool in competitive markets.
Conventional loans are known for their reliability and predictability, making them the preferred choice for many buyers and agents alike. With straightforward guidelines, competitive interest rates, and fewer restrictions than government-backed options, conventional financing simplifies the path to homeownership. For buyers with strong credit and financial stability, this loan type offers smooth approvals, faster closings, and more control over terms and structure. Sellers recognize the strength of conventional offers, which can give buyers a strategic edge when negotiating or competing against multiple bids. It’s a smart solution for move-up buyers, first-time homeowners, and investors seeking flexibility and long-term value.
Getting started with a conventional mortgage through Elliman Capital is designed to be simple, efficient, and elevated. Begin with a quick online application and let our experienced lending team guide you through every step. From choosing the right rate structure to finalizing your approval, we ensure every detail is handled with care and precision. Our process prioritizes speed, clarity, and confidence—so you can move forward knowing you’re supported by a trusted name in real estate finance. Take the first step today and experience a smarter way to finance your next property.
