A Conventional Home Loan Built Around Your Next Home.
Conventional financing for a primary residence, a second home, or an investment property, with fixed and adjustable options up to conforming loan limits.*
One loan. Flexible ways to buy.
Most buyers start here, and for good reason.
- Standard documentation: income, assets, and credit
- Low-down-payment options for qualified buyers*
- First-time and repeat buyers welcome
- Purchase or refinance primary, second, and investment homes*
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Cancel mortgage insurance once you reach sufficient equity*
Loans from eligible amounts up to conforming loan limits*
Buy, refinance, or take cash out
Primary, second home, or investment property
Standard documentation: income, assets, and credit
Low-down-payment options available*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Conventional Loan?
The most common home loan, backed by Fannie Mae and Freddie Mac
The Saxton Conventional Loan is a full-featured mortgage that follows Fannie Mae and Freddie Mac guidelines, the go-to option for most buyers and homeowners.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to conforming loan limits.*
Why choose the Saxton Conventional Loan?
Built for qualified buyers whose standard documentation doesn’t tell the whole story.
First-Time Buyers
Low-down-payment options make buying your first home more attainable.*
Real Estate Investors
Finance investment properties, including 2–4 units, warrantable and non-warrantable condos.
Move-Up & Repeat Buyers
Refinance or buy your next home on standard conventional terms.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Cancel Mortgage Insurance
Once you build enough equity, mortgage insurance can be removed.*
Insurance With An End
Mortgage insurance on a conventional loan can come off once you have enough equity.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Conventional Home Loan.
Conventional loans follow conforming limits set each year, which vary by county and property type.
Yes. Low-down-payment options make buying your first home more attainable.*
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on a primary residence, second home, or investment property.
Conventional loans generally start around a 620 credit score, with better terms at higher scores.
Less than most people expect. Conventional financing has low-down-payment tiers, and the requirement moves with your credit profile and the occupancy.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Conventional Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.