Conventional Home Loan

Available for purchase, cash-out or rate-term refinance
Owner occupied
Single family, townhomes, and warrantable condos
Primary, second home, and investment properties
Various down payment options available

Conventional loan programs offer flexibility and options other loan types do not. Our conventional loan adheres to the GSE (Freddie Mac) guidelines but are available through Angel Oak.

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Property State

Loan Purpose

PurchaseRefinance

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Residence Type

Primary ResidenceSecond Home / Investment Property

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Product FAQ

General FAQ

Do All Conventional Loans Require Private Mortgage Insurance (PMI)?

Lenders will require private mortgage insurance (PMI) on conventional loans when a homebuyer is putting less than 20 percent down on a purchase property. A homebuyer may cancel PMI once they have 20 percent equity in their property.

Can A Conventional Loan Be Refinanced?

Yes, a conventional loan may be refinanced. When refinancing a conventional loan, PMI will be required if the loan to value of the property has less than 20 percent equity.

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Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). Corporate Address: 980 Hammond Drive, Suite 850, Atlanta, GA 30328. Licensed in AL #21875, AZ #0926930, AK #110480, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #4131346. Loans made or arranged pursuant to a California Financing Law License CFL License #60DBO-71208, CO Regulated by the Division of Real Estate, CT #ML-1160240, CT #MS-1160240, DE #019971, DC #MLB1160240, FL #MLD1156, GA #41747, HI #HI-1160240, HI #MS231, ID #MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS #MC.0025339, KY #MC292246, LA, ME #1160240, MD #1160240, MI #FL0020868, MI #SR0020869, MN #MN-MO-1160240, MS #1160240, MO #1160240, MT #1160240, NE, NV #4450, NV #4597, NH #22446-MB, Licensed by the N.J. Department of Banking and Insurance, NM, NC #L-163234, ND#MB103396, OH #RM.501891.000, OK #ML011190, OR #ML-5316, OR #MS-19, PA #56598,RI #20173431LL, RI #20224352LS, SC #MLS-1160240, SD #1160240.ML, TN #118878, TN #163131, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY#3229, WY #CL-4863.