Conventional Loans

The Classic Choice — With the Flexibility You Need

Conventional loans offer competitive rates and more freedom — perfect for strong buyers ready to make confident moves in Florida’s market.

Conventional loans aren’t backed by the government, which gives you more options, more flexibility, and (often) better terms — especially if you’ve got decent credit and a solid down payment.

Whether you’re buying in Lake Mary or refinancing in Orange City, this is the industry standard — and for good reason.

How it works

Step 1

We review your credit, income, and down payment.

Step 2

We help you compare fixed vs. adjustable rate options.

Step 3

You choose the term and rate structure that fits your goals.

Step 4

We shop lenders to get you the best possible deal.

Step 5

You close with confidence — and clarity.

Who It's For

  • Buyers with good credit and stable income


  • Homeowners looking to refinance


  • Anyone aiming to avoid mortgage insurance



  • Investors and second-home buyers

Conventional Loans FAQs

  • What’s the difference between conventional and FHA loans?

    Conventional loans offer more flexibility and potentially lower costs, but they typically require higher credit scores and down payments.

  • What’s the minimum credit score I need?

    Generally, a 620+ score is needed, but better scores unlock better rates and terms.

  • Can I avoid mortgage insurance?

    Yes — if you put down at least 20%. If not, we’ll help you find the most affordable PMI options.

  • Are conventional loans good for refinancing?

    Absolutely. They’re often the go-to choice for homeowners looking to lower rates or pull equity.

  • How do I know if I qualify?

    We’ll review your full financial picture and walk you through your options — no guesswork, just answers.

Why Acceptance Mortgage Solutions?

We don’t just quote rates — we explain the why behind every option. And when it comes to conventional loans, details matter. We tailor your loan to your budget, timeline, and goals — whether you’re buying your forever home in Deltona or planning a second home in Longwood.


Benefits You Can Expect


  • Highly competitive interest rates
  • Down payments as low as 3% for qualified buyers
  • No upfront mortgage insurance premiums
  • More flexibility for property types and terms
  • Strong refinance options and equity access
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

If you’re financially ready to buy, a conventional loan could give you more control, better rates, and fewer fees. Let’s map out your smartest path forward.