Conventional Loan in Oakland, CA
Looking for a conventional loan near Oakland, CA? Harris Capital Mortgage Group is a licensed mortgage lender serving Oakland and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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Conventional Loan Near Oakland, CA
California has some of the most competitive real estate markets in the country. CalHFA offers down payment assistance and first mortgage programs for qualifying buyers. Conforming loan limits are higher in many CA counties, making jumbo loans less common than in other states.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near Oakland, CA serving buyers throughout the CA market. Whether you're searching for a conventional loan near Oakland or anywhere in CA, our loan officers know the local market and will guide you through every step of the process.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Conventional Loan, Common Questions
What is the minimum down payment for a conventional loan?
Conventional loans can start as low as 3% down for qualifying first-time buyers. 20% down eliminates the need for private mortgage insurance (PMI).
What credit score is needed for conventional?
Most conventional programs require a minimum score of 620. Better scores typically unlock better rates. Your loan officer will identify the optimal program for your profile.
What is PMI and when does it end?
PMI (private mortgage insurance) is required when your down payment is under 20%. It can be removed once your equity reaches 20% of the original home value.