• Conventional Loans - These loans can be used to facilitate a purchase or refinance transaction, with as little as 3% in down payment or equity. Down payment or closing cost assistance can be used in conjunction with a conventional loan, in most cases. We also have access to secondary financing up to 95% of your homes value, to allow for the avoidance of mortgage insurance. We offer terms from 5-30 years for the purchase or refinance of your home. Credit qualification for conventional loans can vary greatly. Minimum credit score is 620.