Roxford Holdings Inc
Residential Financing

Conventional LoansSolutions

Traditional loans with flexible terms and competitive rates

Traditional mortgage loans not backed by government agencies, offering flexibility and competitive rates for borrowers with good credit and stable income.

4.9/5 from satisfied borrowers

Down Payment

3-20%

Terms

10-30 years

Timeline

25-40 days

Rates

Market-competitive rates

Get Pre-Approved TodayCalculate Payment
3-20% Down

Key Features

Down payments as low as 3%
No mortgage insurance with 20% down
Flexible loan amounts
Various term options
Competitive interest rates

Benefits

No government restrictions
Higher loan limits available
PMI can be removed at 20% equity
Faster processing times
More property type options

Requirements

Good credit score (typically 620+)

Stable income and employment

Debt-to-income ratio under 45%

Property appraisal required

Adequate reserves recommended

Frequently Asked Questions

What's the difference between conventional and FHA loans?

Conventional loans are not government-backed, typically require higher credit scores and down payments, but offer more flexibility. FHA loans are government-insured with lower down payment requirements but have more restrictions.

Can I avoid PMI on a conventional loan?

Yes, you can avoid private mortgage insurance by putting down 20% or more. You can also request PMI removal once you reach 20% equity in your home.

Related Loan Programs

FHA Loans
Government-backed loans with 3.5% down payment
VA Loans
Zero down payment loans for veterans and military
USDA Rural Loans
Zero down loans for eligible rural properties

Ready to Get Started with Conventional Loans?

Get personalized rate quotes and expert guidance for your conventional loans needs.

Call (888) 466-5422Get Rate Quote

What Our Clients Say

Don't just take our word for it. Here's what our clients have to say about their experience working with Roxford Holdings.

"They explained to us in very detailed step by step information for first time house buyers."

Jessica A.

Jessica A.

First Time Home Buyer

Roxford Holdings Inc

"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."

Rigo D.

Rigo D.

First Time Home Buyer

Roxford Holdings Inc

"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"

Araceli M.

Araceli M.

Mortgage Refinance Client

Roxford Holdings Inc