Conventional
Standard financing for established buyers and move-up purchases.
Conventional financing is the workhorse of the move-up market. For buyers with established credit and W-2 or self-employed income that documents cleanly, it is almost always the cleanest path to the closing table.
I shop conventional loans across the entire 70-lender network. The same credit profile and the same property can produce meaningfully different rate quotes — and finding the lender whose pricing engine likes your file that week is most of the job.