Conventional Loans The Flexible Choice

Your trusted. full-service mortgage company — dedicated to helping you make the best decisions about one of the biggest purchases of your life.

Jordan Campagna, Senior Loan Officer

Avanti Mortgage

Phone: (801) 633-0678

Email: [email protected]

NMLS# 1178630

Company NMLS# 1843923

Licensed in: UT, ID

Avanti Mortgage is a DBA of South Towne Mortgage, NMLS #1843923. All loans are subject to credit approval, acceptable appraisal, title review, and underwriting conditions. This is not a commitment to lend, and terms may change based on credit, income, employment, or program requirements. Equal Housing Lender. For licensing information, visit www.nmlsconsumeraccess.org

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  • About
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  • FHA Loans
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  • Conventional Loans
  • USDA Loans
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  • Team
  • Jordan Campagna — Chief Executive Officer
  • Felipe — President
  • Monica — Loan Officer Assistant & Loan Processor
  • Jody — Loan Processor & Loan Officer
  • Amber — Loan Officer Assistant
  • Angela — Underwriting Specialist
  • Dave — Loan Officer
  • Derick — Loan Officer
  • Hailey — Client Relations Manager
  • Martha — Loan Officer
  • Melanie — Mortgage Professional
  • Melissa — Loan Officer
  • Utu — Loan Officer
  • Mortgage Calculator
  • Grant Programs
  • Emily Knowles — Administrative Assistant
  • Preferred Vendors
  • Loan Options
  • Construction
  • Renovation
  • Reverse
  • Down Payment Assistance
  • Non-QM
  • Home Equity
  • No Income Verification

Conventional Loans

Conventional Loans The Flexible Choice

What Are Conventional Loans?

Check My Eligibility

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Baseline (Most U.S. Areas)

High-Cost Areas

Alaska, Hawaii, Guam & USVI

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.

Conventional Loan

See if you qualify for a conventional loan with as little as 3% down.

3%

Down

No

PMI at 20%

620

Min Credit

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better interest rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

Get answers to common questions about conventional loans

Explore your conventional loan options and find the perfect financing solution for your home.

Your trusted, full-service mortgage company dedicated to helping you make the best decisions for one of the biggest purchases of your life.

Quick Links

Contact

[email protected]

801-981-5690

Company NMLS#

www.nmlsconsumeraccess.org

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