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Compare Conventional Loans options
Top Conventional Lenders
Nationwide Conventional Loans lenders compared side by side. Review loan amounts, leverage, rates and terms, then request quotes to see real offers on your deal.
Listings are for information only. Rates, fees, leverage and licensing vary by lender, borrower and state, so confirm current terms directly. We are an independent comparison site, not a lender.
Conventional home loans, compared by state
If you are comparing Conventional Loans, this guide covers how this type of funding works, what lenders evaluate and how to move from first call to closing. Lenders operate across the country, so the same structure can be applied to a rental in Phoenix, a renovation in Atlanta or a new build in Nashville, while pricing and terms vary by local market.
Every file is reviewed on the strength of the property and the plan behind it.
How Conventional Loans Are Structured
A home loan lets you buy or refinance a residence, with the payment based on the loan amount, rate and term and the lender confirming your income, credit and the home's value. Each file is reviewed on its own merits, with local rents, comparable sales, property taxes and insurance costs all shaping the final terms. That is why two borrowers asking about the same loan type can receive very different offers.
What Lenders Look at for Conventional Loans
For this kind of loan, underwriting centers on your credit profile, income and debts, the down payment or equity and the home's appraised value. A complete, well-organized package helps your request move faster and often leads to better terms.
Property details: location, condition, property type and recent comparable sales nearby.
Borrower profile: credit score, liquidity and real estate experience.
Deal structure: purchase price, down payment or equity and your planned exit.
Documentation: entity paperwork, an insurance quote and a clear scope or lease information.
Who Uses Conventional Loans
Typical uses include buying a home, refinancing an existing mortgage and, with some programs, buying with a smaller down payment. First-time investors value having each step explained in plain language, while experienced operators look for a lender that can repeat the process quickly across multiple properties and markets.
Conventional Loans Nationwide, with Local Detail
Rules on taxes, insurance, landlord-tenant law and foreclosure timelines differ from one state to the next, which is why we publish a dedicated page for each state. Choose your state below for local lending details, then send us your scenario.
Conventional Loans Timeline and Next Steps
Mortgage closings commonly take several weeks, depending on the loan program, the appraisal and underwriting. Most borrowers follow the same four steps: submit the scenario, review indicative terms, order the appraisal and title work, and close with a licensed settlement agent.
Rates, fees and licensing requirements depend on the loan and the borrower, so always confirm current terms with a lender licensed in your state. Use the form at the top of this page to share your deal and request quotes.
Conventional Loans by State
Choose your state to see how Conventional Loans work in your market, with local details on the cities and property types lenders typically serve.
Alabama
Conventional Loans
Conventional Loans for Alabama properties: income, credit and appraisal review tailored to markets like Birmingham, Huntsville and Montgomery. Send your scenario for a state-specific quote.
Investing in Anchorage, Fairbanks or Juneau? Conventional Loans in Alaska centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
Investing in Phoenix, Tucson or Mesa? Conventional Loans in Arizona centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
Arkansas offers low entry prices, steady rental yields and growth across Northwest Arkansas. Investors in Little Rock and Fayetteville use Conventional Loans to buy or refinance a home with clear, upfront terms. See typical terms, uses and what lenders look at.
From Los Angeles to San Jose, California borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Read the full California guide for local details.
From Denver to Aurora, Colorado borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. See typical terms, uses and what lenders look at.
Local conditions across Connecticut, including older housing stock, commuter towns and rental demand tied to New York and Boston, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
With a compact market with beach-town rentals and easy reach of Philadelphia and Baltimore, Delaware rewards deal-specific underwriting. See how Conventional Loans works in Wilmington and beyond. Send your scenario for a state-specific quote.
Investing in Miami, Orlando or Tampa? Conventional Loans in Florida centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. See typical terms, uses and what lenders look at.
Conventional Loans for Georgia properties: income, credit and appraisal review tailored to markets like Atlanta, Savannah and Augusta. Send your scenario for a state-specific quote.
Investing in Honolulu, Kailua or Kapolei? Conventional Loans in Hawaii centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Read the full Hawaii guide for local details.
From Boise to Nampa, Idaho borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Send your scenario for a state-specific quote.
From Chicago to Naperville, Illinois borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. See typical terms, uses and what lenders look at.
Conventional Loans for Indiana properties: income, credit and appraisal review tailored to markets like Indianapolis, Fort Wayne and Evansville. Read the full Indiana guide for local details.
Conventional Loans for Iowa properties: income, credit and appraisal review tailored to markets like Des Moines, Cedar Rapids and Davenport. Read the full Iowa guide for local details.
Kansas offers affordable single-family homes and steady rents across the Kansas City and Wichita areas. Investors in Wichita and Overland Park use Conventional Loans to buy or refinance a home with clear, upfront terms. See typical terms, uses and what lenders look at.
Investing in Louisville, Lexington or Bowling Green? Conventional Loans in Kentucky centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
With distinctive coastal and historic housing stock with strong rental demand in New Orleans and Baton Rouge, Louisiana rewards deal-specific underwriting. See how Conventional Loans works in New Orleans and beyond. Send your scenario for a state-specific quote.
Local conditions across Maine, including coastal vacation rentals, historic housing and a tight year-round supply, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. Read the full Maine guide for local details.
From Baltimore to Germantown, Maryland borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Read the full Maryland guide for local details.
From Boston to Springfield, Massachusetts borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Send your scenario for a state-specific quote.
From Detroit to Ann Arbor, Michigan borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Send your scenario for a state-specific quote.
With a strong Twin Cities economy, stable rents and a cold-weather construction calendar, Minnesota rewards deal-specific underwriting. See how Conventional Loans works in Minneapolis and beyond. Send your scenario for a state-specific quote.
Mississippi offers very low entry prices, high gross yields and Gulf Coast opportunities. Investors in Jackson and Gulfport use Conventional Loans to buy or refinance a home with clear, upfront terms. Read the full Mississippi guide for local details.
Conventional Loans for Missouri properties: income, credit and appraisal review tailored to markets like Kansas City, St. Louis and Springfield. Send your scenario for a state-specific quote.
Local conditions across Montana, including resort-driven demand, limited inventory and rising prices in Bozeman and Missoula, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
With stable, low-volatility markets in Omaha and Lincoln with consistent renter demand, Nebraska rewards deal-specific underwriting. See how Conventional Loans works in Omaha and beyond. See typical terms, uses and what lenders look at.
Conventional Loans for Nevada properties: income, credit and appraisal review tailored to markets like Las Vegas, Henderson and Reno. Send your scenario for a state-specific quote.
With limited inventory, steady commuter demand from Boston and seasonal lake properties, New Hampshire rewards deal-specific underwriting. See how Conventional Loans works in Manchester and beyond. See typical terms, uses and what lenders look at.
From Newark to Paterson, New Jersey borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Send your scenario for a state-specific quote.
With affordable pricing, a growing Albuquerque market and distinctive Santa Fe properties, New Mexico rewards deal-specific underwriting. See how Conventional Loans works in Albuquerque and beyond. See typical terms, uses and what lenders look at.
With everything from New York City multifamily to upstate value markets and Hudson Valley rentals, New York rewards deal-specific underwriting. See how Conventional Loans works in New York City and beyond. See typical terms, uses and what lenders look at.
Investing in Charlotte, Raleigh or Greensboro? Conventional Loans in North Carolina centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
From Fargo to Grand Forks, North Dakota borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. Send your scenario for a state-specific quote.
From Columbus to Cincinnati, Ohio borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. See typical terms, uses and what lenders look at.
Local conditions across Oklahoma, including low entry prices, steady rents and energy-sector jobs in Oklahoma City and Tulsa, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. See typical terms, uses and what lenders look at.
With Portland-area demand, college towns and land-use rules that limit new supply, Oregon rewards deal-specific underwriting. See how Conventional Loans works in Portland and beyond. See typical terms, uses and what lenders look at.
Local conditions across Pennsylvania, including older row homes in Philadelphia and Pittsburgh, college towns and active small-multifamily investing, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. Read the full Pennsylvania guide for local details.
Rhode Island offers a compact coastal market with older multifamily homes and university-driven rentals. Investors in Providence and Cranston use Conventional Loans to buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
Local conditions across South Carolina, including coastal growth in Charleston and Myrtle Beach plus an expanding Upstate, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
South Dakota offers small, stable markets with growth around Sioux Falls and Rapid City. Investors in Sioux Falls and Rapid City use Conventional Loans to buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
Tennessee offers Nashville's booming economy, Memphis value plays and Smoky Mountain cabin rentals. Investors in Nashville and Memphis use Conventional Loans to buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
Texas offers large metros such as Dallas-Fort Worth, Houston, Austin and San Antonio with rapid population growth. Investors in Houston and Dallas use Conventional Loans to buy or refinance a home with clear, upfront terms. Read the full Texas guide for local details.
Investing in Salt Lake City, Provo or West Valley City? Conventional Loans in Utah centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. See typical terms, uses and what lenders look at.
With limited inventory, ski-town rentals and older housing stock, Vermont rewards deal-specific underwriting. See how Conventional Loans works in Burlington and beyond. See typical terms, uses and what lenders look at.
Local conditions across Virginia, including Northern Virginia's strong economy, Hampton Roads military demand and Richmond growth, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. Read the full Virginia guide for local details.
Local conditions across Washington, including Seattle-area tech demand, Spokane's affordability and a tight supply of homes, shape every quote. Conventional Loans can help you buy or refinance a home with clear, upfront terms. See typical terms, uses and what lenders look at.
From Charleston to Morgantown, West Virginia borrowers use Conventional Loans to buy or refinance a home with clear, upfront terms, backed by income, credit and appraisal review. See typical terms, uses and what lenders look at.
Investing in Milwaukee, Madison or Green Bay? Conventional Loans in Wisconsin centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.
Investing in Cheyenne, Casper or Laramie? Conventional Loans in Wyoming centers on income, credit and appraisal review, so you can buy or refinance a home with clear, upfront terms. Send your scenario for a state-specific quote.