Conventional Home Loans

If you have good credit, a low debt-to-income ratio, and want to build equity faster, you might want to consider applying for a conventional loan.

We service 96% of these loans in house

The Loan that's Right for You.

As a direct lender, we can approve you for a conventional loan that isn’t backed by a government entity. Al Adame Jr, your Arizona Mortgage Specialist at Thrive Mortgage has more flexibility to set terms and conditions that fit your financial situation. The eligibility requirements may vary based on your financial stability and history, but we will work with you to determine which loan is best for you. A conventional loan has the most advantages for borrowers who can put at least 20% down, have good credit, and a stable income.

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Home Finder

About This Loan.

Credit scores to 620
Down payment as low as 3%
Flip properties eligible
Multiple ﬁxed rates and ARM products
Mortgage insurance options: lender paid mortgage insurance
Seller credit can cover an upfront mortgage insurance
High balance loan limits available in designated areas
Owner-occupied, second home or investment
Direct Fannie Mae and Freddie Mac lender

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Get PreQualified

Home Finder

Don't Wait to Get Started

If you are ready to apply for a conventional loan or you are debating whether or not this is the loan for you. Give us a call and let’s set up a consultation. We will help you figure out the pros and cons specific to your financial situation so you can be confident you are making the right choice.