Compare conventional vs FHA, VA, and USDA for your credit, down payment, and long-term cost. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Conventional Loans
Is Conventional Right?
It is for many buyers — especially if you have mid-600s+ credit, can put at least 3–5% down, and want mortgage insurance that can be removed. It is not automatically best for everyone. VA, FHA, and USDA can win on payment or eligibility depending on your profile.
These signals usually point toward a conventional path.
Choosing conventional just because it is popular can cost you money.
We run this comparison on every serious file.
Ryan and Steve quote the programs that fit — then recommend the winner.
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Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles from our blog on conventional loans, credit, and homebuying.
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Share your credit range and down payment with Ryan or Steve — we will compare conventional against the other programs you may qualify for.