• Conventional Loans

    What Are Conventional Loans & Why They’re a Smart Choice in Austin, TX

    Conventional loans are one of the most popular mortgage options in the Austin, TX area — and for good reason. With flexible down payment options (as low as 3%) and competitive interest rates, these loans are a great fit for both first-time and repeat buyers. Whether you're buying in Cedar Park, Round Rock, Leander, or right in the heart of Austin, conventional financing offers the flexibility and simplicity many buyers are looking for.

  • Why Work With Stephanie (aka BestAustinLender) for Your Conventional Loan?

    💪 Local mortgage expert with 20+ years in the Austin and Central Texas market


    🎯 Custom loan strategies based on your goals, timeline, and financial picture


    🚫 No jargon, no fluff — just clear guidance and smart options


    📝 Fast pre-approvals to help you stand out in this competitive market


    📉 Access to OVER 100 lenders = better rates and more choices


    📍 Hyper-local advice to help position your offer (and impress the listing agent)

  • Conventional Home Loans in Texas

    What Are Conventional Loans?

    Conventional loans are home loans that aren’t backed by the government (like FHA, VA, or USDA loans). Instead, they follow guidelines set by Fannie Mae and Freddie Mac, which makes them widely accepted and flexible for many types of buyers.

    They come in fixed or adjustable rate options, can be used for primary homes, second homes, or investment properties, and often offer the best pricing for borrowers with strong credit and stable income. Plus, they tend to come with lower overall costs than government-backed loans if you meet the qualifications.

    If you’ve got decent credit, some money saved, and steady income—this might be your best bet.

    Why a Conventional Loan Might Be Right for You

    • You’re planning to stay in your home long-term and want predictable monthly payments
    • You’re putting 3–20% down and want flexibility on terms
    • You want to avoid the upfront costs and stricter rules of FHA or government loans
    • You're buying a second home or investment property (which conventional loans allow!)

  • Frequently Asked Questions About Conventional Loans in Austin

    Quick Answers to Help You Decide

    ☑️ A 620+ credit score gets you into most conventional programs.
    ☑️ First-time buyers can start with 3% down.
    ☑️ PMI isn’t forever — you can remove it once you hit 20% equity.
    ☑️ This loan works for primary homes, second homes, and investment properties across Austin & Central Texas.

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