Learn how conventional loans from Fannie Mae and Freddie Mac help you buy or refinance a primary home or investment property with flexible terms.
At REIF Loans, we offer conventional mortgage programs that help both homeowners and investors finance properties with predictable terms and trusted structures backed by Fannie Mae and Freddie Mac.
Whether you’re buying your first home, refinancing for a lower rate, or adding an investment property to your portfolio, our team helps you secure a loan that fits your financial plan not just the bank’s.
A conventional loan is a type of mortgage that isn’t insured or guaranteed by the federal government. Instead, it follows guidelines set by Fannie Mae and Freddie Mac, two agencies that standardize loan programs across the country.
These loans are often called conforming loans because they “conform” to limits and rules established by those agencies. Conventional loans are the most common mortgage type in the U.S., used for both primary residences and certain investment properties.
Fixed-rate conventional loans offer stable payments for the entire term, giving you long-term financial confidence and easy budgeting.
Borrowers with strong credit and steady income often qualify for the best available market rates.
Depending on your profile, down payments can range from as low as 3% for first-time buyers to 20% for investors seeking to avoid mortgage insurance.
Unlike FHA or VA loans, conventional loans don’t require a large one-time insurance payment saving you money at closing.
Conventional loans can finance primary homes, second homes, or 1–4 unit investment properties perfect for building both personal and rental wealth.
Conventional mortgages are underwritten based on your income, assets, credit score, and debt-to-income ratio. Lenders verify your ability to repay by reviewing documentation such as:
Loan terms vary, but the most common structure is the 30-year fixed-rate mortgage. a proven, long-term choice that balances affordability and predictability. Shorter-term options like 15-year loans offer faster payoff and lower total interest costs.
To qualify for a conventional loan, lenders generally look for:
Investment properties and second homes may have slightly higher down payment or reserve requirements, but they remain among the most accessible financing options available.
The classic 30-year or 15-year mortgage with predictable monthly payments.
Start with a lower introductory rate that adjusts over time.
For homes exceeding conforming loan limits in higher-cost markets.
Tap into existing equity to consolidate debt, renovate, or reinvest in new opportunities.
Finance rental properties with long-term stability, using predictable 30-year fixed terms.
We make the application process simple and transparent from day one.
Whether it’s buying, refinancing, or pulling cash out, we tailor the loan to fit your needs.
We’ll help you prepare income, credit, and asset documents for smooth underwriting.
Choose between fixed or adjustable rates, short or long terms, and conventional or jumbo limits.
We coordinate with your lender and title team so you know exactly what to expect at every step.
Whether you’re buying your first home, refinancing to a lower rate, or expanding your real estate portfolio, REIF Loans provides the clarity, expertise, and trusted lending connections you need.
REIF Loans currently offers mortgage and loan services in select licensed states. Information provided on this website, including references to Non-QM loans, commercial loans, and conventional loans, is for general educational and informational purposes only and does not constitute an offer to lend in jurisdictions where REIF Loans is not licensed. Loan availability, terms, and conditions may vary by state. Please contact us directly to confirm eligibility and licensing for your specific location.
