BLAZE HOME LOANS
Conventional loans
A conventional mortgage is a home loan that is not insured or guaranteed by a federal housing agency. Eligible borrowers may use one to buy or refinance a primary residence, and some programs allow second homes or investment properties.
MLO review pending: Bo Grant, NMLS #1565547 · Last updated September 23, 2026
Who might consider this program?
Borrowers who want to compare options across property uses and loan structures may consider conventional financing. The right fit depends on total cost, credit profile and property plans.
Eligibility and documents
Lenders review credit, income, debts, assets and the property. Mortgage insurance may be required depending on loan structure and equity. Investor and second-home requirements can differ from primary-home requirements.
Property considerations
The appraisal, condition and intended occupancy must meet the selected lender and program rules. Condominiums, manufactured homes and unusual properties may need additional review.
Limits to understand
A conventional loan is not a universal alternative to government-backed financing. Compare the full terms and ongoing costs before choosing a program.
Common questions.
Does a conventional loan require mortgage insurance?
It can, depending on the loan structure and equity. A loan officer can explain the terms of a specific lender offer.
Can I buy an investment property?
Some conventional programs permit investment properties, subject to different credit, reserve and property requirements.
Learn from the primary source
CFPB mortgage resources ↗Government program information comes from the administering agency. Blaze is independent and is not affiliated with or endorsed by any government agency.