Conventional loans
A conventional mortgage is a home loan without federal agency insurance or a guarantee. It can suit buyers and homeowners with documented income, including some second-home and investment-property borrowers.
Schedule a Call ↗Good fit if…
- You’re buying a home you plan to live in.
- You’re refinancing and want to compare suitable options.
- You’re considering a second home or rental property.
- You have income and closing funds you can document.
- You want to compare conventional with government-backed financing.
Things that can affect approval
- Credit history and existing debts.
- Income and how it’s documented.
- Source of closing funds and available assets.
- Property type, condition and value.
- Your intended occupancy and the lender’s requirements.
Requirements depend on the whole picture. A quick conversation can help identify what needs a closer look before you rule yourself out.
Why use a broker for this loan?
Wholesale lenders can differ in how they evaluate income, property types and occupancy. Blaze compares available options and helps you understand the documentation, costs and property questions involved. The selected lender makes the approval decision; working with a broker does not guarantee approval.
Frequently asked questions
Can I finance a rental property?
Some conventional programs allow investment properties. Requirements depend on your finances, the property and its intended use. Talk with us about the actual purchase before choosing a program.
Do I always need mortgage insurance?
No. It depends on the loan structure and equity. We can explain how insurance affects an offer and compare appropriate alternatives.
How much can I qualify to borrow?
It depends on your full situation, including income, debts, documentation and the property. A conversation helps identify what needs review before you set a financing plan.
Can self-employed buyers qualify?
Potentially. Business income needs evaluation under the selected program. Compare standard documentation before assuming an alternative loan is necessary.
Reviewed by Bo Grant, Owner/Broker, NMLS 1565547 · Reviewed October 8, 2026