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What Is a Conventional Loan?
A Conventional Loan is one of the most common mortgage options available today. It’s not backed by the government, which means it’s funded through private lenders and follows Fannie Mae and Freddie Mac guidelines.
Conventional loans are perfect for borrowers with steady income, good credit, and a desire to build long-term equity. They also provide more flexibility in loan structure and property types than most government programs.
Why Atlanta Buyers Choose Conventional Loans
Homebuyers across the Atlanta metro area are turning to Conventional Loans because they offer flexibility and long-term savings that government-backed loans can’t always match.
Here’s why they’re such a strong choice:
You can buy your home with as little as 3% down, depending on your credit and income. Once you’ve built 20% equity, you can remove private mortgage insurance (PMI) completely — which means lower monthly payments over time.
Conventional loans also give you flexible loan terms, including both fixed-rate and adjustable-rate options, and they can be used for a primary home, second home, or even an investment property.
Because there are no upfront government funding fees, you save money at closing. And if you have a strong fin
Our Conventional Loan Guidelines
At UHome Mortgage, we follow industry-standard Fannie Mae and Freddie Mac guidelines, but we pair them with the personal touch and flexibility that big banks can’t offer.
To qualify for a Conventional Loan with us, most borrowers will need a minimum credit score of 620. Down payments can be as low as 3%, though putting down 20% eliminates PMI completely.
We can approve debt-to-income ratios up to 50%, giving qualified buyers the ability to maximize their purchasing power while still staying within safe financial limits.
Gift funds are allowed for down payments and closing costs on primary homes, and we can structure your loan around your goals — whether you want a 15-year plan to pay your home off faster or a 30-year fixed for long-term stability.
Who a Conventional Loan Is Best For
Conventional loans are ideal for homebuyers who want flexibility, control, and long-term value. If you have a stable income, a credit score of at least 620, and a manageable amount of debt, this may be your best path to homeownership.
They’re also great for buyers who plan to build equity quickly and want the freedom to drop mortgage insurance later. Whether you’re buying in Fulton, Cobb, DeKalb, Gwinnett, or Clayton County, a Conventional Loan gives you the balance of affordability and freedom to make your mortgage truly yours.
Why Choose UHome Mortgage
At UHome Mortgage, our slogan says it all: Loans That Get U Home.
We’re not a call center — we’re an Atlanta-based mortgage team that believes in doing business the right way: through relationships, education, and results.
Our process is built around speed, clarity, and communication. You’ll know exactly where your loan stands every step of the way. Pre-approvals can often be issued within 24 hours, and most of our loans close in as little as two to three weeks.
We also take the time to compare all available programs — including FHA, VA, and Conventional — so you can make an informed choice that fits your life and your goals.
When you work with us, you don’t just get a mortgage — you get a team that’s committed to your success, every step of the way.
Start Your Conventional Loan Journey
If you’re ready to buy a home in Atlanta or anywhere in Georgia, our team is ready to help you make it happen.
We’ll walk you through your options, explain the process in plain language, and make sure you’re confident from start to close.
Get a free instant rate quote
Take a first step towards your dream home
Free & non binding
No documents required
No impact on credit score
No hidden costs
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