Phil Holguin, Sr. Loan Officer at Empower Home Loans
Conventional Loans
Conventional Loans
Why Consider a Conventional Loan?
A Loan Strategy Built Around You
Private Mortgage Insurance (PMI)
When PMI May Apply
Cancellation Options Vary
Frequently Asked Questions
Ready to Get Started?
LOAN PROGRAMS
The Flexible Choice
A conventional loan is a mortgage that is not insured or guaranteed by a government program. It can be a flexible option for many homebuyers and homeowners — and Phil can help you see whether it fits your goals.
Conventional financing can offer flexibility for a range of homebuying and homeownership goals.
Conventional financing is not one-size-fits-all. Phil can compare available loan options based on your goals, finances, property, and overall scenario — so you can choose a path that fits rather than a product that assumes everyone qualifies the same way.
Loan programs, terms, eligibility, and availability are subject to borrower qualification, property eligibility, lender requirements, and applicable program guidelines.
A simple overview of how PMI may work on a conventional loan.
Private mortgage insurance may apply when you finance a home with a smaller down payment. Whether PMI is required — and how it is structured — depends on the loan, the down payment, and lender guidelines.
Requirements and cancellation options vary by loan and servicer. Phil can help you understand how PMI may apply in your scenario and what options could be available later.
Explore your conventional loan options and find the financing path that fits your next move.
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