Conventional Home Loans
I shop conventional loans across a wide network of lenders to find UP buyers the best rate and terms — including low-down-payment options and financing for cabins and second homes.
Can I buy with less than 20% down on a conventional loan?
Yes — conventional programs allow as little as 3% down for qualified buyers (HomeReady and Home Possible), with private mortgage insurance that drops off at 20% equity.
Can I finance a cabin or second home in the Upper Peninsula with a conventional loan?
Yes — conventional is the main route for UP cabins, lakefront cottages, and vacation homes. Second-home pricing is higher than primary-residence pricing, so I'll quote both if you're deciding how to use the property.
What credit score do I need for a conventional loan?
Most lenders want 620+, with the best pricing at 740+. If your score is close, I'll tell you exactly what would move it before you apply.
Have Any Questions?
Every situation is different, and the answers above are just a starting point. Call or text me and I’ll walk you through your options and tell you honestly where you stand. No pressure, no obligation.
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