Smarter Financing for Stronger Buyers

At Freedom Choice Lending, we believe every homebuyer deserves a loan that fits their lifestyle, not the other way around. Conventional loans are one of the most popular mortgage options for well-qualified borrowers who want flexibility, competitive rates, and fewer restrictions compared to government-backed programs like FHA or VA loans.

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What Is a Conventional Loan?

A conventional loan is a mortgage not insured by the federal government. Instead, it follows guidelines set by Fannie Mae and Freddie Mac—the two major agencies that help keep mortgage lending stable and accessible.

These programs are ideal for buyers with solid credit history, consistent income, and the ability to make a modest down payment.

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Key Benefits of a Conventional Loan

✅ Low Down Payments – As little as 1% down for qualified first-time buyers.
✅ No Upfront Mortgage Insurance Fee – Unlike FHA loans, you can avoid large upfront premiums.
✅ Cancel Mortgage Insurance – Private mortgage insurance (PMI) automatically ends once your loan-to-value ratio reaches 78%.
✅ Flexible Property Types – Eligible for single-family homes, condos, and even multi-unit properties (up to 4 units).
✅ Stronger Equity Growth – Build wealth faster with flexible term options (10-, 15-, 20-, or 30-year).
✅ Better Loan Limits – Conforming loan limits go up to $1,149,825 in many California high-cost areas.

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Who Is a Conventional Loan Best For?

Conventional loan programs are an excellent choice for:

• Buyers with good credit (typically 620 or higher)
• Borrowers with steady income and employment history
• Homeowners looking to avoid long-term mortgage insurance
• Clients purchasing primary, secondary, or investment properties

Whether you’re buying your first home, upgrading, or investing, Freedom Choice Lending will help you compare all available conventional options to maximize your buying power.

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Conventional Loan Program Options

🔹 HomeReady® by Fannie Mae – Designed for low- to moderate-income buyers, allows 3% down and flexible income sources.
🔹 Home Possible® by Freddie Mac – Great for first-time buyers with low down payments and co-borrower flexibility.
🔹 Standard 5% Down Conventional – Ideal for strong credit borrowers seeking long-term savings on PMI.
🔹 High-Balance Conventional Loans – Perfect for California markets where home prices exceed standard loan limits.

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Why Choose Freedom Choice Lending?

With Freedom Choice Lending, you’re not just getting a mortgage—you’re getting a personalized financial strategy designed around your goals.

We help you:

• Compare Conventional vs. FHA vs. VA options side-by-side
• Identify PMI-free paths to ownership
• Structure your loan for maximum tax and equity advantages
• Get pre-approved fast so you can shop with confidence

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Ready to Get Started?

Your dream home is closer than you think.
Take the first step today with a free mortgage plan consultation and discover if a Conventional Loan Program is right for you.

📞 Call us today or click below to apply online.

Freedom Choice Lending – Helping Buyers Become Homeowners.

Start The Dream For All Application

Direct Line (562) 281-6163
Main Office (866) 587-6927
David Delgado – NMLS #349079
Presiden/CEO
Freedom Choice Lending
NMLS #1998153

Fast Approvals call (562) 281-6163
No Money Down Payment Programs
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