Most conventional loans require a minimum credit score of 620. However, borrowers with higher scores (740+) typically qualify for the best interest rates and terms. We work with multiple lenders and can help you find options based on your specific credit profile.

PMI is required for conventional loans with less than 20% down payment. However, PMI can be removed once you reach 20% equity in your home. We'll explain all your options, including strategies to avoid PMI or remove it as quickly as possible.

A 15-year mortgage has higher monthly payments but builds equity faster and typically offers lower interest rates, saving you thousands in interest over the life of the loan. A 30-year mortgage has lower monthly payments, making it more affordable month-to-month, but you'll pay more in total interest over time.

Yes! Conventional mortgages can be used for primary residences, second homes, and investment properties. However, requirements differ for each property type. Investment properties typically require higher down payments (15-25%) and have slightly higher interest rates. We'll guide you through the specific requirements for your situation.

From application to closing, conventional mortgages typically take 30-45 days. Our streamlined process and experienced team can often close loans in as little as 21 days, especially if you have all your documentation ready and the property appraisal goes smoothly.