Conventional financing offers options for eligible buyers and homeowners. Compare the loan structure with your savings, property and longer-term plans.
A loan designed around the property and borrower
Conventional loans are not FHA-, VA- or USDA-insured or guaranteed. Lender and investor requirements govern income, credit, debts, property eligibility and financing terms.
Down payment is only one part of the decision
Ask which down payment options apply to your situation and how mortgage insurance affects the monthly cost. A larger down payment can change the loan, but it also uses savings you might want to keep.
Compare with other programs
Compare the same purchase price, term and lock assumptions across loan options. Jonathan can explain cash to close, mortgage insurance and costs instead of deciding from the rate alone.
Talk through your next step
Jonathan Gibbons helps buyers and homeowners in Southeast Wisconsin, Greater Milwaukee and Madison compare financing options. Estimate a payment or contact Jonathan to discuss your plans.
Jonathan Gibbons · NMLS #427023 · Information reviewed October 5, 2026. General education, not a rate quote, approval or commitment to lend.