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FREE Conventional Loan Pre-Approval

With a Conventional loan you could purchase a home for NO money down! Take the first step here by getting pre-approved quickly and easily!

Conventional Loans

Unless you think you may qualify for a government-backed loan like a VA or FHA loan, odds are a conventional loan will be one of the first types of mortgages you will look at. What is a conventional loan? Put simply, a conventional loan is any mortgage which is not guaranteed by a government agency.

If so, you could qualify for a California VA home loan, which is a wonderful opportunity to move into the home of your dreams in California on very reasonable terms. While California’s cost of living can be very high, you are in an excellent position to take advantage of all this amazing state has to offer without getting buried under exorbitant housing costs.

There are a number of different types of conventional loans in California:

  • Conforming loans. Conventional loans conforming to the Fannie Mae and Freddie Mac guidelines for lending limits fall under this category. While not all conventional mortgages are conforming loans, all conforming loans are a form of conventional loan. The current conventional loan limit for a conforming loan in San Jose, California is $625,500 for a single unit. A conforming conventional loan is a good starting point in your search, unless you are sure you need another type of loan.
  • Nonconforming, or “Jumbo” loans. Nonconforming conventional loans, also known as jumbo mortgages, are loans which fall above the lending limit mentioned above. Since we live in a very high-cost area, a surprisingly large number of mortgages fall into this category, even for relatively modest homes.
  • Portfolio loans. These are conventional loans where the lenders set the guidelines. They may include special features that other loans do not. You might be able to use investments as securities, for example.
  • Nonprime loans. These loans are marketed to customers with low credit scores. While there are rules for nonprime loans, they do tend to be a great deal more expensive than other types of conventional loans, which makes it extra important to find a good deal.

As you can see, there is a huge amount of variety in the world of conventional mortgages.

When you get in touch with us, we will be able to:

  • Help you figure out what types of loans you qualify for. If there is any chance that you qualify for a government-backed program like a VA or FHA loan, we will see to it that you get approved. That way you can save money and enjoy the best loan terms.
  • If you do need a conventional loan, we will assist you in choosing the product which bets fits your needs.
  • Once we figure out what type of loan would be best for your situation, we will help you find the best possible loan from a trustworthy, established California mortgage lender. We have access to special deals and discounts through our vast network of lenders that you simply will not be able to find on your own.

FREE CONVENTIONAL LOAN QUALIFIER

Ready to start shopping for the home of your dreams and a mortgage which is going to be right for you now and in the future?

Have unanswered questions about conventional mortgages? We are here to help. You can reach us any time by emailing [email protected] or calling (408) 610-8011 You can also click the button below to receive an instant quote on a conventional loan. We can’t wait to help you move into your California dream home!

Get Your FREE Conventional Loan Quote Now!

I want my FREE Conventional Loan Quote

SOME OF OUR SATISFIED CLIENTS

Jennifer Lu
Jennifer Lu
17:48 01 Aug 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very efficient. We are very appreciate of Shawn's partnership in the process!
Jen I.
Jen I.
10:04 30 Jul 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very...
Hello T.
Hello T.
16:09 20 Jun 19
Shawn just helped me with refinances on a few of my properties. Prior to this I had got my loans through a bank. Let me tell you the experience was superior...
Anamitra Adhikari
Anamitra Adhikari
03:35 29 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.
Anamitra A.
Anamitra A.
20:36 28 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...
John Christopher
John Christopher
04:00 24 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!
John C.
John C.
20:59 23 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...
Ken Fernandez
Ken Fernandez
21:30 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)
Ken F.
Ken F.
14:41 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...
myda714
myda714
04:31 02 Mar 19
We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!
Myda W.
Myda W.
20:34 01 Mar 19
Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...
Elizabeth R Barajas
Elizabeth R Barajas
02:13 10 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.
Eva R.
Eva R.
18:51 08 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...
sophia reyes
sophia reyes
01:27 03 Oct 18
I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.

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For assistance in choosing the right loan program for your unique situation.

Feel free to call Loan Application (408) 610-8011

SOME OF OUR SATISFIED CLIENTS

Jennifer Lu
Jennifer Lu
17:48 01 Aug 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very efficient. We are very appreciate of Shawn's partnership in the process!
Jen I.
Jen I.
10:04 30 Jul 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very...
Hello T.
Hello T.
16:09 20 Jun 19
Shawn just helped me with refinances on a few of my properties. Prior to this I had got my loans through a bank. Let me tell you the experience was superior...
Anamitra Adhikari
Anamitra Adhikari
03:35 29 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.
Anamitra A.
Anamitra A.
20:36 28 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...
John Christopher
John Christopher
04:00 24 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!
John C.
John C.
20:59 23 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...
Ken Fernandez
Ken Fernandez
21:30 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)
Ken F.
Ken F.
14:41 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...
myda714
myda714
04:31 02 Mar 19
We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!
Myda W.
Myda W.
20:34 01 Mar 19
Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...
Elizabeth R Barajas
Elizabeth R Barajas
02:13 10 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.
Eva R.
Eva R.
18:51 08 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...
sophia reyes
sophia reyes
01:27 03 Oct 18
I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.