Conventional home loans · Winchester, Virginia

Flexible financing for a wide range of homebuyers.

Conventional loans can work for first-time buyers, repeat buyers, second-home purchasers and homeowners refinancing. Joe helps you compare the payment, cash-to-close and long-term tradeoffs.

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How it works

Start with the features that shape the decision.

Flexible down payments

Qualified borrowers may have several down-payment choices based on occupancy, property type and program guidelines.

Fixed or adjustable rates

Compare the predictability of a fixed rate with the initial structure and future adjustments of an ARM.

Mortgage insurance options

When required, private mortgage insurance can vary by credit profile, down payment and coverage structure.

Plan before you apply

Details to review with Joe.

Primary residences, eligible second homes and investment properties may qualify.
Loan limits and pricing vary by property location and number of units.
Credit, income, assets and property eligibility are reviewed during underwriting.
Seller contributions and gift funds may be permitted within program limits.

Common questions

Flexible financing for a wide range of homebuyers FAQ

Do I need 20% down?

No. Some qualified borrowers may choose a lower down payment, although mortgage insurance and other terms may apply.

When can mortgage insurance be removed?

Cancellation rules depend on the loan, payment history, property value and applicable servicing requirements.

Is conventional always better than FHA?

Not necessarily. The stronger choice depends on credit, down payment, monthly payment, mortgage insurance and how long you expect to keep the loan.

FHA loans Jumbo loans First-time buyers

A clear comparison

See how this option fits your goals.

Joe can review your scenario, explain the tradeoffs and compare available alternatives without the jargon.

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Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.