Conforming Purchases & Home Loan Refinancing

100% all online application. Our specialty is getting you approved.

Awesome Rates for Good Credit & Equity.

Most conventional loans are known for offering very good rates and overall payments due to high credit scores with equity in the home.  

With purchases using only 3% down, more options and typically lower Mortgage Insurance premiums vs. FHA.  

  • Large selection of specialized programs
  • Consultative approach for your scenario
  • We can help improve your credit scores as needed
  • Multiple income sources & asset types considered
  • Some properties don’t require an appraisal as part of purchase or refinance

When is a Conventional loan best?

It’s worth looking at current Conventional financing to save you money on your existing interest rate, mortgage insurance, or to leverage your home’s equity position for home improvement, debt consolidation to save on your monthly bills, or for a down payment on an investment / second home.

 If you used an FHA loan to purchase your home, a conventional rate quote could save you while rates are still relatively low and we are able to close extremely fast. 

Reach out to us today so we can present several options from simply lower your rate and dropping FHA’s mortgage insurance to reducing your loan term you’re currently paying to any year term you’d like.  Typically, the shorter your term, the lower the rate.

Didn’t get the best rate on your home purchase?

Most purchases include the closing costs into the interest rate in the form of rebated contributions by the lender to help pay for purchase loan closing costs. Sellers are reluctant to contribute towards closing costs in this market, and if you didn’t have extra money beyond your down payment on your purchase – we can probably help you lower your interest rate on your recently purchased home. Give us a call to see what we can do for your updated rate and payment.

Sitting in an excellent equity position?

With rates and values in a great position – perhaps it makes sense to do a cash out refinance for home improvements, a shop or accessory dwelling unit – maybe even to help as a down payment for an investment property.  Let’s put together your specific gameplan taking advantage of excellent rates and great values in todays real estate market.  See what your equity can do for you.
  • 3% down conventional purchase loans up to 625k (larger amounts in high cost living areas)
  • Renovation purchase and refinance conforming loans with less restrictions than FHA
  • Credit improvement resources available
  • Multiple income sources & asset types considered

Tell us a bit more your purchase or refinance here...

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We know you may not have time to get this done in one shot so our all online mortgage application allows you to get started now, and finish at your leisure.  You can be confident your data is secure in our fully encrypted vaults, and seen only by our fantastic underwriters.

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"I had a challenging credit blemish come up with a difficult time share company and was unable to re-qualify for Conventional or VA – Brian was able to complete my brand new home construction so I could move in and not forefeit my large deposit. Thankful for Brian’s efforts to help get through an anxious time and complete my purchase. "
Client
Eleanor L.
Retired Navy

A Letter from the actual Mortgage Buddy, and our founder, Brian Miner

With over 20 years in the financial industry, from securities, commodities, indexes, mutual funds, insurances putting financial plans together has been a natural progression… and Mortgage Buddy was born.

And of course we can help with an easy government purchase or refinance in thirty days or less – quick and easy.  

But we also really love helping self employed business owners through their more challenging income, assets and underwriting scenarios.  

Let our experience, technology and unique programs work for you.

Our team is available nights and weekends, to help you reach your dreams.


"I had a challenging credit blemish come up with a difficult time share company and was unable to re-qualify for Conventional or VA – Brian was able to complete my brand new home construction so I could move in and not forefeit my large deposit. Thankful for Brian’s efforts to help get through an anxious time and complete my purchase. "
Client
Eleanor L.
Retired Navy

A Letter from the actual Mortgage Buddy, and our founder, Brian Miner

With over 20 years in the financial industry, from securities, commodities, indexes, mutual funds, insurances putting financial plans together has been a natural progression… and Mortgage Buddy was born.

And of course we can help with an easy government purchase or refinance in thirty days or less – quick and easy.  

But we also really love helping self employed business owners through their more challenging income, assets and underwriting scenarios.  

Let our experience, technology and unique programs work for you.

Our team is available nights and weekends, to help you reach your dreams.


20+

Years Helping Home/Business Owners Get Approved

500k

New Businesses Started per Month

711

Average US Business Owner Credit Score *

1000+

Happy Home Owners Annually