Conventional Financing Loans
The Gold Standard for Proven Credit
Competitive rates and flexible terms for borrowers with strong credit history.
What is a Conventional Loan?
A conventional loan is a mortgage not backed by a government agency such as the FHA, VA, or USDA. Instead, it follows guidelines set by private investors and entities like Fannie Mae and Freddie Mac — the two largest buyers of mortgages in the United States.
With competitive interest rates, flexible terms, and fewer long-term costs, conventional loans are often the most cost-effective financing option for buyers with solid financial histories. At Keystone Lending, we guide you through every detail and help you make the most of your borrowing power.
Stable Income
Consistent, verifiable income history.
Strong Credit
Credit score of 620 or higher preferred.
Down Payment
As low as 3% — ability to make a down payment.
Key Benefits
Key Benefits of Conventional Loans
Lower Overall Costs
No upfront mortgage insurance required in many cases, reducing total loan expenses.
Competitive Interest Rates
Among the lowest rates available for qualified borrowers.
Flexible Loan Terms
Choose from various amortization periods, including 15, 20, or 30 years.
Higher Loan Limits
Suitable for a wide range of property values, including primary and investment properties.
Cancelable Mortgage Insurance
PMI can be removed once you've built sufficient equity — typically at 20% or more.
Property Flexibility
Eligible for primary residences, second homes, and investment properties.
Loan Options Available
We offer a range of conventional loan structures to meet your needs.
Fixed-Rate Mortgages
Stable monthly payments with the same rate for the life of your loan.
Adjustable-Rate Mortgages
Lower initial rates with scheduled adjustments after a fixed period.
Conforming Loans
Meet standard lending limits set by Fannie Mae and Freddie Mac.
Who is This Best For?
Conventional loans are ideal for a variety of borrowers:
First-time homebuyers with solid credit
Borrowers with a credit score of 620 or higher
Buyers who can put 5% or more down
Individuals seeking lower long-term costs
Investors purchasing rental properties
Refinancing homeowners with solid equity
Requirements Overview
While requirements vary, most conventional loans typically include:
Credit Score
620 or higher
Debt-to-Income Ratio
Typically below 43%
Down Payment
As low as 3%
Employment
Stable Income & Verification
Why Choose Keystone Lending?
We Simplify the Mortgage Process and Focus on What Matters Most — Your Success.
Speed & Efficiency
Same-day pre-approvals and extremely fast clear-to-close times so you never miss an opportunity.
Personalized Care
Direct access to Curtis Norman and a team dedicated to your specific financial picture.
Competitive Rates
We shop the market and bring you the lowest available rate for your unique situation.
Transparent Process
No hidden fees, no surprises — clear communication with you at every single step.
Start Your Homeownership Journey Today
Whether you’re buying your first home or refinancing, our team is here to guide you every step of the way.
ADDRESS
1467 Hunter Lane, Clearwater, FL 33764
PHONE
(727) 383-6682
angelitawnorman@gmail.com
