Choose the conventional loan that fits your situation
Traditional fixed-rate mortgages with competitive rates and flexible terms. Lock in your rate for the life of the loan—no surprises, no rate adjustments.
Compare features side-by-side
| Feature | Conventional | FHA* | Jumbo |
|---|---|---|---|
| Down Payment | 3-20% | 3.5% | 10-20% |
| Credit Score | 620+ | 580+ | 700+ |
| PMI Required | Yes (<20% down) | Yes | Varies |
| Loan Limit | Up to $806,500 | Up to $672,750 | Up to $5M |
| Property Types | All residential | Primary only | Primary & 2nd homes |
Conventional loans work best for these situations
Great credit, stable W-2 income, and ready to put 3-5% down.
Selling your current home and have equity for a larger down payment.
Looking to lower your rate, remove PMI, or access home equity.
*Impact Lending Pros LLC is licensed to originate conventional, FHA & jumbo loans for primary residences and second homes in CA only.