Who it can fit
Borrowers with documented income, acceptable credit, assets, and a property that meets agency or investor standards.
Conventional mortgages
A flexible mortgage path for qualified purchase and refinance borrowers.
Conventional loans are not insured by FHA or guaranteed by VA. They are commonly used for primary homes, second homes, investment properties, purchases, and refinances when the borrower and property meet investor guidelines.
What to know
What to compare
Down payment or equity, mortgage insurance, points, APR, monthly payment, cash to close, and long-term refinance or payoff plans.
Documents to prepare
Pay stubs, W-2s or tax returns, bank statements, mortgage statements, homeowners insurance, and property information.
Official resource
Use official mortgage education as a starting point, then review your specific numbers with MJ Financial.
CFPB loan optionsReady for a real review?
MJ Financial can compare the program against your credit profile, income, debts, property, and timeline. No website text is an approval or commitment to lend.
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