Conventional Loans
Conventional Loans: Flexible Options for Stronger Buyers
Looking to purchase a home with more flexibility and fewer restrictions? A Conventional Loan may be the right choice for you. At Barry Lends, we help qualified buyers take advantage of competitive rates and terms—without the extra costs associated with government-backed loans.
What Is a Conventional Loan?
A Conventional loan is a home mortgage that is not insured by the federal government. These loans typically offer more options for borrowers with strong credit and stable income. They’re ideal for buyers who:
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Have credit scores of 620 or higher
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Can make a down payment of at least 3% to 20%
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Prefer to avoid mortgage insurance by putting down 20% or more
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Want flexibility with property types and loan terms
Conventional loans can be used for primary residences, second homes, and investment properties—making them one of the most versatile mortgage options available.
Do You Qualify?
You may be eligible for a conventional loan if:
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You have a solid credit history
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Your debt-to-income ratio is within the allowed limits
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You can document consistent income and employment
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You are financially prepared for closing costs and down payment
Not sure if you're ready? We offer free pre-qualifications and expert consultations to help you explore all of your options—so you can make an informed decision with confidence.
Let’s Get Started
As your trusted advisor, we are here to guide you every step of the way. Licensed in multiple states and a national reputation for excellence.
We’re committed to transparent, compliant lending practices in accordance with state and federal regulations. All loan applications are subject to underwriting approval. Terms and conditions apply.
PRE-APPROVAL
Get in touch so we can start working together and get you Pre-Approved to find your dream property
