Conventional Loans
Flexible loans with as little as 3% down for qualified buyers.
See what I qualify forConventional loans are not backed by a government agency, and they are the most common way people buy homes. With good credit they can be the lowest total cost option, and some programs allow just 3% down for first-time buyers.
Is this a good fit for you?
- Buyers with solid credit
- Buyers who want mortgage insurance that can come off
- Second homes and investment properties
- Buyers putting down 3% to 20% or more
How it works with Dakotah
1. Down payment from 3% for some buyers
First-time buyers and some income levels can qualify with 3% down.
2. Mortgage insurance that ends
With under 20% down you will have PMI, and it can be removed as your equity grows.
3. Many kinds of homes
Primary homes, second homes and rentals can all use conventional financing.
4. Fixed or adjustable
Dakotah will explain both so you pick the one that fits how long you plan to stay.
What to have ready
- Income documents
- Two months of bank statements
- Info on any other properties you own
- Photo ID
Do not have all of it yet? That is fine. Start the conversation and Dakotah will tell you exactly what she needs and when.
“If your credit is strong, conventional often wins on total cost. I will show you the side by side so you are choosing with real numbers.”
Dakotah Kutz, NMLS #1568471Why people choose Dakotah
Plenty of lenders can quote a rate. What clients talk about is the experience. Dakotah answers fast, explains each step in plain words, and keeps your agent in the loop so nobody is guessing. When a file gets complicated, a job change, a gift, a tricky appraisal, she finds a way through it instead of handing you a list of reasons it will not work.
She also looks past the first loan. If an FHA loan gets you in the door today, she will tell you when a refinance might make sense later. If you are buying a rental, she thinks about the next one too. That long view is why so many of her clients come back and send their friends.
Try Loan Match
Not sure this is the one? Answer six quick questions and see which programs line up for you.
Tap your answers and your best fit loans show up here.
Questions people ask
Do I need 20% down?
No. 20% down avoids PMI, but many buyers put down less.
What credit do I need?
It varies by program and down payment. Dakotah will review yours and tell you where you stand.
Can I use gift money?
Yes, for a primary home, with a gift letter and a paper trail.
Other loans to compare
Dakotah explains it in a minute.
From her TikTok, where she breaks this down for 46K followers.
Talk to Dakotah about conventional loans.
She will look at your full picture and tell you straight if this is the right program.