Conventional loan programs offer something for almost anyone. Purchase, refinance, cash-out refinance, first-time home-buyers, low down payments, and jumbo borrowers.
In simple terms, a conventional mortgage is a basic home loan that's not insured or guaranteed by the federal government. That means the lender takes on the risk of giving you the loan and you pay interest on your loan over time. Typically, conventional mortgages have fixed interest rates, which means your monthly payments remain the same for the life of the loan. The loan is often underwritten by a private lender such as a bank, credit union, or mortgage company.
Conventional mortgages generally have stricter lending requirements than government-backed mortgages such as FHA and VA loans. If you can't make a large down payment, you may still qualify for a conventional loan with a down payment as low as 3%. You'll need to pay Private Mortgage Insurance (PMI) to protect the lender if you have less than a 20% down payment.
First Liberty offers a wide variety of conventional loans at competitive rates, with features including:
  • Fixed or adjustable rate
  • Purchase, rate/term refinance, and cash-out refinance options for primary residences
  • Purchase and rate/term refinance options for second homes & investment properties


This is not a commitment to lend; you must submit additional information for review and approval. Rate, Annual Percentage Rate (APR), and terms are subject to change without notice.  See your Loan Officer for complete program guidelines costs, fees, and annual percentage rates (APRs).

This type of loan offers a broad range of Fixed Rate and Adjustable Rate Mortgages (ARMs). A conventional loan may be right for you if you’re buying your first home or looking for extra space. We offer low closing costs and flexible payment options. Conventional loans are not insured by any government agency.


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