All loans are not one size fits all

Conventional loan to fit your budget.

Unlock the benefits of homeownership with our conventional loan options, designed to provide you with competitive interest rates, flexible terms, and a seamless application process. Whether you're a first-time homebuyer or looking to refinance your current property, our conventional loans can be tailored to meet your unique financial needs.

  • Primary residence, second home, investment
  • DTI up to 50%
  • Borrow up to $750,000
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Apply for a mortgage today. Your new home is waiting for you

We understand entrepreneurs and the corporate world with its many challenges and opportunities.We don’t waste time on unnecessary paperwork and do most things electronically. It’s no wonder that we are among the most popular business loan providers in the Bankio.

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Choose the best mortgage term and rate that fits your need.

Monthly payment of $9.00
Monthly payment of $18.00
Monthly payment of $36.00
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Min FICO 620

Business owners across all 50 states

3% Down Payment

More likely to get approved with Bankio

1 year employment

Approvals for only small businesses

What you need to know about a conventional loan

Minimum requirements

Business loan options of all shapes and sizes.we don't believe in surprises

Applying for a our mortgages are easy!

How to works

It's easier than you think. Follow the following simple easy steps

1. Get pre-qualified

Get pre-approved with a soft credit pull that won’t affect your credit score.

2. Complete application

Fill out our secure online application with your personal information.

3. Upload documents

Proof of income, tax returns, bank statements, and employment verification.

4. Close your mortgage

Once your loan is approved and all conditions are met, you’ll receive your ‘clear to close’ status.

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If you have question,we have answer

Frequently asked questions

Get answers to all questions you have and boost your knowledge so you can save, invest and spend smarter. See all questions here!

A conventional loan is a type of mortgage that is not insured or guaranteed by the government. It is offered by private lenders and typically features competitive interest rates and flexible terms.

Most lenders require a minimum credit score of 620 to qualify for a conventional loan, though higher scores may help you secure better terms and rates.

The minimum down payment is typically 3%, but a down payment of 20% or more allows you to avoid private mortgage insurance (PMI).

Commonly required documents include proof of income (such as pay stubs and tax returns), bank statements, credit reports, and employment verification.

Yes, conventional loans can be used to finance a primary residence, second home, or investment property, offering flexibility for different real estate needs.

Yes, conventional loan limits vary by county and are set annually by the Federal Housing Finance Agency (FHFA). For 2024, the baseline limit for single-family homes is $726,200, though this can be higher in certain high-cost areas.

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