Mortgage lender walking a client through loan benefits
Conventional Mortgage Benefits
Why This Loan?

Most of our clients with really good credit scores that are looking to simply lower their rate/payment end up closing on a Conventional Mortgage. Your Top Flite Loan Officer will compare all loan products and make a recommendation on the program that best fits your needs and has the lowest monthly payment.

Client asking questions about conventional mortgage qualifications
Conventional Mortgage Qualifications
Do I Qualify?

In general, conventional loans have stricter credit requirements than government-backed loans like FHA loans. In most cases, you’ll need a credit score of at least 620 and a debt-to-income ratio of 50% or less.

How to Apply

The Conventional Mortgage Process

Step 1


Create your custom Hole N1 Mortgage account via our secure mobile app or web portal.

Apply Now!

Step 2


One of our Senior Loan Officers will be assigned to your file immediately and work up a pre-approval within hours.

Step 3


We will contact you to discuss the numbers and quickly put you in a position to decide if you would like to work with us.

Step 4


Order Your Appraisal!

Apply Now