Conventional and Jumbo Loans
Flexible Financing for Every Price Point
From standard home purchases to high-value properties, we've got the right loan for you.
Not every buyer needs a government-backed loan — and if you have solid credit and stable income, a conventional mortgage might offer you the best overall terms.
Conventional loans aren't insured by a federal agency, which means lenders can be flexible with structure, and when you put 20% down, you avoid private mortgage insurance altogether.
Conventional loans are a great fit for buyers with good-to-excellent credit who want clean, straightforward financing without extra fees baked in.
Down payments start as low as 3–5% for qualified borrowers, and loan terms can be customized to fit your goals — whether that's a 30-year fixed rate for predictable payments, a 15-year term to build equity faster, or an adjustable-rate option if you're planning a shorter time horizon.
For buyers purchasing higher-priced properties, a jumbo loan covers amounts that exceed the conventional conforming loan limits — in most areas, that means loan amounts above $766,550.
Jumbo loans require strong credit, solid reserves, and thorough documentation, but they give high-value buyers access to the financing they need without having to break a purchase into multiple loans.
Whether you're buying a starter home or a multi-million dollar property, we work with a wide range of lenders to find the right fit for your situation.
Conventional Loan Characteristics
1) Conventional loans are not backed by the government and are subject to the lender's guidelines and underwriting standards.
2) Typically require a higher down payment of 5% to 20% of the purchase price
3) Credit requirements are typically stricter than FHA loans, with lenders typically looking for a credit score of at least 620
4) Borrowers with excellent credit may be able to secure lower interest rates and better terms on a conventional loan compared to an FHA loan..
5) Conventional loans offer options for fixed or adjustable interest rates
6) Conventional loans can be used to purchase a variety of property types, including single-family homes, multi-unit properties, and condominiums
7) Conventional loans do not require mortgage insurance if the borrower puts down at least 20% of the purchase price
8) Conventional loans offer options for refinancing, including cash-out refinancing and rate-and-term refinancing, which can help borrowers lower their monthly mortgage payments or access equity in their home.
5) Conventional loans offer options for fixed or adjustable interest rates
6) Conventional loans can be used to purchase a variety of property types, including single-family homes, multi-unit properties, and condominiums
7) Conventional loans do not require mortgage insurance if the borrower puts down at least 20% of the purchase price
8) Conventional loans offer options for refinancing, including cash-out refinancing and rate-and-term refinancing, which can help borrowers lower their monthly mortgage payments or access equity in their home.
Navigation
Contact
+1 480-500-8877
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender (NMLS consumer access: https://www.nmlsconsumeraccess.org/_)
© Copyright 2026 Excel Home Loans PLLC. All rights reserved