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Conventional Home Loan

Conventional loan features include low down payment options and varying payment structures. Our team can combine multiple features to customize a mortgage that fits your financial situation.

What is a conventional loan?

Conventional home financing is popular with mortgage lenders and homebuyers. Designed to encourage homeownership, low rates with a variety of features are available. Conventional loans generally offer lower costs than other loan products. Qualifying criteria is set by government-sponsored entities - Fannie Mae and Freddie Mac.

Our team provides a consultative approach to finding solutions to meet your financing goals. 

As with all loan options, a review of your credit score, debt and assets will be required to meet these conventional guidelines. 

Benefits of a conventional loan:

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Down payments vary by product, but down payment options are offered as low as 3%-5% for qualifying borrowers

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Fixed rate and adjustable-rate mortgages are available

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A variety of terms

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No private mortgage insurance costs with 20% down payment

Relocating? Let's find the perfect financing for you.
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Common conventional questions, answered.

Conventional home financing is popular with mortgage lenders and homebuyers. Qualifying criteria is set by government-sponsored entities - Fannie Mae and Freddie Mac. These loans are not insured or guaranteed by the U.S. Government. Designed to encourage homeownership, a variety of features are available. Conventional loans generally offer lower costs to than other loan products.

Since 1987, Premia Relocation Mortgage has built a customer-centric service model based on two principles - great people and industry-leading technology. We combine a knowledgeable mortgage team with an interactive mortgage application to make the mortgage process easy.

The Team
We listen; our experienced team averages over 15 years in the mortgage industry and can offer choices fitting the needs of all types of buyers. They will treat you like family and strive to exceed your expectations.


The Technology
Our DigitalMoveTM technology eases the process. With anytime-access, you will not wonder about where you are in the mortgage process.

  • Pre-purchase approvals that bring power to the negotiation table
  • Enhanced Security during the mortgage process
  • Electronic verification of employment, income and assets
  • Waiving the need for an onsite appraisal for qualifying buyers
  • DigitalMoveTM eClosing *DigitalMoveTM eClosing availability based on state and closing agent.

We've got stars and we're proud...

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Rob T.

APR 29, 2021

“Jim and Ted both went above and beyond to process our loan in record time! They were both absolutely great to deal with!” - ”Jim and Ted both went above and beyond to process our loan in record time! They were both absolutely great to deal with!”

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Matthew J.

FEB 19, 2021

“Jeff was very knowledgeable regarding us using my VA Loan and helped us lock-in a long term rate. This was a huge plus since we were building a house and wanted to secure a rate on the front end to eliminate any unexpected surprises.”

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Justin R.

MAY 29, 2021

“Jason West was great to work with. I felt he did everything he could to ensure we had a successful and straight forward process. He was very proactive and transparent throughout the loan process and was available to take a call at any time.”

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Prasad S.

APR 19, 2021

“Both Frank and Dan demonstrated the highest levels of professionalism in handling my mortgage. I wish them every success in their future endeavors.”

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Matthew J.

MAR 2, 2021

“The whole process was well managed by Joseph and team. It was easy, transparent and honest. I really enjoyed working with Premia Relocation Mortgage team. Thank you!!!”

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Yantian P.

DEC 31, 2020

“Overall I had a great experience at Premia Relocation Mortgage. Billy Nocita my mortgage consultant and Alyse Martin my Loan Processor were awesome. They did a great job. Responded to my calls on time and explain the mortgage loan and processes clearly in simple terms for me to understand. Billy always sounded happy in our conversation and the help me to relax. Moving or relocating is very stressful, so it was great to have that.”

Have questions? We have answers.