Conventional loans from 3% down, PMI that actually cancels, and pricing that rewards strong credit — see if the conforming box fits you.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
Conventional loans from 3% down, PMI that actually cancels, and pricing that rewards strong credit — see if the conforming box fits you.
Loan programs
Conventional is what most people picture when they say “mortgage” — and it quietly rewards preparation. Down payments from 3%, insurance that cancels itself, and pricing that pays you back for good credit.
I keep hearing 20% down or nothing.
Conventional starts at 3% down. PMI covers the gap — and it drops off at 20% equity. It’s a bridge, not a life sentence.
With your score, PMI might be smaller than you think. Want the real figure?
Delivered
Say you buy with 5% down. Your insurance has three milestones — and you can hit them early with extra principal or appreciation.
Three scenarios — 3%, 5% and 10% down — priced side by side for your actual numbers, in one reply.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
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Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.