Conventional Loans
A straightforward path to homeownership for buyers with solid credit and steady income.
Explore a wide range of loan options designed to fit different goals, credit profiles, and financial situations. Whether you are buying, refinancing, or investing, there is a program built for you.
These are some of our most popular loan programs. As an independent mortgage broker, we have access to hundreds of programs across dozens of lenders — so if you don’t see what you’re looking for, talk to a loan officer.
Conventional, government-backed, and non-conforming purchase loans — the foundation of any lender’s product suite.
A straightforward path to homeownership for buyers with solid credit and steady income.
A government-backed loan designed to help more people qualify for homeownership.
Zero down payment financing for buyers in eligible rural and suburban areas.
Programs for existing homeowners or buyers needing specialized structuring — equity access, down payment help, and senior programs.
For qualified borrowers who don’t fit conventional guidelines — self-employed, high-net-worth, foreign nationals, and more.
Qualify for a mortgage using your bank deposits, not your tax returns.
Let your savings and investments work as income to qualify for a mortgage
Asset-based and income-property financing for real estate investors and commercial buyers.
Programs defined by property type or construction stage — renovation, new builds, land, and manufactured housing.
Our loan officers work with dozens of lenders to find the right fit — without the pressure of a bank. No obligation, just an honest conversation about what’s possible for you.
Interest Rates, APR’s & programs are illustrations subject to change at any time. These do not constitute a ‘Loan or Good Faith Estimate’ for payments and closing costs. Not all applicants will qualify. APR may vary by product type. Consumer is not obligated to use any party mentioned. Lender Express Mortgage is not affiliated with FHA, VA, USDA or the Federal Government. Lender Express Mortgage, LLC supports Equal Housing Opportunity (www.nmlsconsumeraccess.org) | (888) 286-0367 | 2500 S Power Rd Bldg 9 Ste 133, Mesa, AZ 85209. Regulated by the AZ Department of Financial Institutions. Arizona License #MB-1008082, CA #60DBO-140688, CO #MB-1963444, FL #MBR4665, IA #1963444, OR #1963444, PA #79751, TX #1963444. Figure: 7 tac § 80.200(b) consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department website at www.Sml.Texas.Gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.Sml.Texas.Gov. Above information and content is accurate as of 6/22.