HOME PURCHASE & REFINANCE · CALIFORNIA

Conventional home loans in California

A flexible starting point for eligible homebuyers, homeowners and property investors.

Compare conventional options Start an application

Compare financing around the home and the budget

A conventional mortgage is not part of a government-insured or government-guaranteed loan program. Many conventional loans meet conforming guidelines; larger loan amounts may require a jumbo program. Team Windes helps you compare the programs available for your property, income and goals.

Buying a primary home

Review down payment choices, mortgage insurance, payment structure and cash needed at closing. Eligible first-time buyers may have additional program options.

A second home or investment

Occupancy affects eligibility, pricing, down payment and reserves. Explain how you plan to use the property so the financing matches its intended use.

Refinancing thoughtfully

Compare the current loan with the new rate, closing costs, term and total cost. A lower payment alone does not establish whether refinancing is beneficial.

What goes into the review?

Credit history and current monthly obligations.
Income, employment or self-employment documentation.
Down payment, equity, closing funds and any required reserves.
Property type, unit count, occupancy and appraisal.
Applicable loan limits and lender-specific requirements.

Conventional loan questions

Can a first-time buyer use a conventional loan?

Yes, if the borrower and property meet the program's requirements. We can compare conventional and FHA options based on the full costs and your financial profile.

Will I need private mortgage insurance?

It depends on the down payment, loan-to-value ratio and program. Ask how mortgage insurance affects the payment and what cancellation rules apply to the specific loan.

Are self-employed borrowers eligible?

They may be. Conventional underwriting has income documentation and analysis requirements for self-employment. If another documentation approach is needed, we can also explore appropriate specialty programs.

First-time homebuyer guide · Explore FHA loans · All loan programs

Let's make your next step clear.

Talk with Sasha, Todd or Tyler about your California financing plans. We will help you understand your options, documentation and next steps.

Contact Team Windes (800) 675-0819

All loans are subject to credit, property and underwriting approval. Programs and terms vary by lender and may change. This information is not a commitment to lend. Team Windes operates as a division of TYKY. Company NMLS #1048641 | CA DRE #01919683. Equal Housing Opportunity.

Conventional home loans in California

Compare financing around the home and the budget

Buying a primary home

A second home or investment

Refinancing thoughtfully

What goes into the review?

Conventional loan questions

Can a first-time buyer use a conventional loan?

Will I need private mortgage insurance?

Are self-employed borrowers eligible?

Let's make your next step clear.

Team Windes | Local Lenders Group

Contact Team Windes

Disclaimers

Resources

More from our mortgage team