Find the right loan for your next move.
Choosing the right mortgage is one of the most important steps in the home financing process. Below, you'll find every program RARIRO offers — so you can match your goals to the right loan.
Five programs, one goal: your next move.
Each program has its own eligibility requirements, benefits, and considerations. Pick a card to open its full breakdown below.
See every detail in one place.
Switch between programs to see eligibility, benefits, calculations, and things to consider — line by line.
Conventional loan
Flexible financing for the long run
Conventional loans are among the most popular mortgage options for homebuyers and homeowners with 10–15–20–30 year terms (any term from 5–30 years available). These loans are not insured or guaranteed by the federal government and are ideal for borrowers with stable income, good credit, and the ability to meet standard lending requirements.
Conventional loans can be used to purchase a primary residence, second home, or investment property. They offer a variety of term options, including fixed-rate and adjustable-rate mortgages, allowing you to choose a payment structure that fits your financial goals.
- Competitive interest rates for qualified borrowers with a debt-to-income ratio below 50%.
- Down payment as low as 3% for first-time buyers (high PMI); a minimum of 5% down is required for better PMI.
- No upfront mortgage insurance premium.
- Mortgage insurance may be removed once 20–22% equity is reached.
- Available for primary residences (3–5% down), second / vacation homes (10% down), and investment properties (20–25% down).
- Flexible loan terms to fit your budget and long-term plans.
Conventional loans are a great choice for borrowers seeking flexible financing, competitive pricing, and a wide range of loan options. Eligibility and loan terms are based on credit history, income, assets, debt-to-income ratio, and property type.
Find your best match today.
Talk with a loan expert about which program fits your goals — no pressure, no jargon.