Conventional mortgages are a common choice for buying or refinancing a home. They are not insured or guaranteed by FHA, VA, or USDA, and they offer options for a range of borrowers and property types. Barren Hill Mortgage helps you compare conventional financing with other programs based on your credit, savings, and goals.

You May Not Need 20% Down

Certain conventional programs allow eligible buyers to purchase a primary residence with as little as 3% down. Other scenarios require a larger down payment. When you put less than 20% down, private mortgage insurance is generally required. It may be removable later when applicable requirements are met.

What Can You Finance?

Depending on the program, conventional financing may be available for:

• Primary residences.

• Second homes.

• Investment properties.

• Eligible condominiums and two- to four-unit homes.

Find the Right Conventional Option

We’ll review your income, assets, credit, and property details, then explain the down payment, mortgage insurance, and closing costs.