Conventional Loans
A conventional loan is a mortgage that is not insured or guaranteed by a government agency, making it a popular choice for buyers with strong credit and stable income. Total Loan Company offers competitive rates and flexible terms on conventional financing for primary residences, second homes, and investment properties.
Why Choose a Conventional Loan?
Competitive interest rates for well-qualified borrowers. Down payments as low as 3% on qualifying programs. No upfront mortgage insurance premium. Available for primary residences, second homes, and investment properties. Flexible terms including 10, 15, 20, and 30-year options.
Conventional 30-Year Fixed Mortgage: Our most popular loan option, offering a fixed interest rate and consistent monthly payments over a 30-year term. Ideal for buyers who want long-term stability and lower monthly payments while building equity in a primary residence, second home, or investment property.