Conventional Loans
You've done the work. Don't let a bank quietly cash in on it.
Solid credit and some savings put you in the strongest position there is — and that's exactly when lenders count on you not shopping. A conventional loan is often where the real long-term value is: as little as 3% down, and mortgage insurance that disappears once you build equity.
No credit pull. No obligation. I'll get back to you personally — usually the same day.
240+
Lenders competing for your loan
21,000+
Five-star reviews
John Kleopoulos
Mortgage Loan Originator · NMLS #2686219 · Backed by Loan Factory
YOU'RE NOT BEHIND
You may be leaving money on the table without knowing it.
Well-qualified buyers are the most likely to overpay — because they assume a strong profile means they don't need to shop. That's not a guess. A 2026 Bankrate study found most people who got a mortgage last year paid more than necessary, and well-qualified conventional borrowers were the most likely to. Strong credit is exactly the profile lenders compete hardest for. So let's make them compete.
Common Worries
The four assumptions that cost strong borrowers money
"I need 20% down."
No. Programs exist with 3% down for qualified buyers. A big down payment helps, but it isn't required.
"My credit's good, so shopping doesn't matter."
It matters more than ever. Strong-credit borrowers are the ones lenders compete hardest for — and the ones most likely to overpay by not shopping.
"Mortgage insurance is just part of the deal."
Not here. Unlike FHA, conventional mortgage insurance can be removed around 20% equity — your payment can actually drop over time.
"My bank already gave me a number."
Bring it. I'll tell you honestly whether I can do better — and just as honestly if I can't.
How It Works
Why one bank's answer isn't the whole story
Conventional guidelines are fairly standardized, but pricing and lender overlays differ meaningfully. Putting your file in front of 240+ lenders competing for it is how a strong borrower makes sure their terms are actually being fought for — not just quoted and forgotten.
A
Quoted and forgotten
B
Pricing your file
C
Best terms win
Illustrative — outcomes depend on your full application.
FAQ
Questions people don't want to ask out loud
Will you pull my credit just to talk?
No. The first conversation is a conversation. Nothing gets pulled or submitted without you saying so.
When does mortgage insurance go away?
Typically around 20% equity, through payments or appreciation.
Is conventional harder to qualify for than FHA?
It generally wants slightly stronger credit — but for the right borrower, the long-term payoff is worth it. I'll show you the actual numbers, not a sales pitch.
What if you can't beat my bank's offer?
Then I'll tell you, and you keep it. No pressure, no hard feelings.
What happens next
Here's exactly what happens next — nothing more
01
You reach out.
Form, call, or text — whichever's easiest.
02
I get back to you personally.
Not an assistant, not a queue. Same day.
03
We talk for 15 minutes.
No credit pull, no pressure, no judgment.
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