Conventional Mortgage

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Experience Superior Rates with Lightning Loans Conventional Mortgage.

Minimum Credit Score


Maximum Debt To Income


Maximum Loan To Value


Maximum Loan Amount

When it comes to securing traditional financing for your home or investment property, Innovative Mortgage offers a robust conventional loan program. Here’s what you can expect when working with Innovative Mortgage and our Lightning Loans division for conventional mortgage solutions:

Customized Lending Experience with Competitive Rates:

  • With access to over 100 sources of capital, we ensure a competitive environment that’s tailored to your specific lending scenario.
  • Our goal at Innovative Mortgage is to secure the best available rates and terms for you, thanks to our vast network of financial resources.

Program Benefits and Features:

  • Loan Diversity: Whether you’re buying a new home, refinancing, or accessing equity, we have a range of conventional loan options to meet your needs.
  • Loan Terms: Choose from various terms to match your financial goals, with both fixed-rate and adjustable-rate mortgage options.
  • Loan-to-Value (LTV) Ratios: We offer high LTV ratio loans, and while new bank regulations have impacted risk appetite for some lenders, our private debt funds allow us to stay competitive in the conventional lending space.

Empathetic and Attentive Service:

  • We listen. Our team is committed to understanding your unique situation and works diligently to find the most favorable solution for you.
  • We guide you every step of the way, providing clear communication and straightforward answers to your questions.

Solutions for Various Property Types:

  • Our conventional loans are not limited to single-family homes; we also finance multifamily properties, commercial real estate, and more.

Streamlined Process:

  • The application process is designed to be as easy and stress-free as possible, with a focus on friendly service throughout your mortgage journey.
  • For properties that require a more traditional approach to financing, our conventional loans offer the stability and predictability you need.

Engaging with Lightning Loans by Innovative Mortgage:

Innovative Mortgage’s Lightning Loans division is your advocate in the conventional loan process. We not only strive to provide competitive pricing but also a compassionate and comprehensive service experience that’s unrivaled.

If you’re considering a conventional loan for your next real estate venture, connect with us at Innovative Mortgage. Let our Lightning Loans division create a competitive environment for your financing needs, ensuring you receive optimal rates and terms with a level of service that makes the entire process enjoyable.

Reach out to Innovative Mortgage today to discuss your conventional loan options and let us illuminate the path to your financial success.

Pros of Conventional Mortgages


Low Interest Rates

Enjoy some of the lowest interest rates in the market.

Flexible Down Payment

As low as 3% down payment, making homeownership accessible to more people.

Lowest Closing Cost Option

Conventional loans often have the lowest closing costs compared to other loan types.

Cons of Conventional Mortgages


Higher Credit Score Requirements

Generally, you'll need a good credit score to qualify for a conventional loan.

Stringent Approval Process

The approval process can be more demanding compared to other loan types.

Key Issues That Will Get Early Attention

Check Credit Score
We'll review your credit score to ensure you qualify for a Conventional Mortgage.
Understand Loan Details
We'll explain all the details, including interest rates, down payment, and first-time home buyer programs.
Prepare Necessary Documentation
We'll guide you through gathering the necessary documents for a smooth application process.
Explore Your Options
Let's consider all your loan options to ensure a Conventional Mortgage is the best fit for you.