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Home Loans for Down Payments as Low as 3%

The most common type of home loan in the mortgage industry, conventional loans are funded by private lenders, including Town Square Mortgage, and then often sold to the government-sponsored enterprises including Fannie Mae and Freddie Mac. 

Fast, Easy and Affordable Home Loans

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Flexible Loan Options

  • Choice of Fixed-Rate or Adjustable-Rate loans

  • Applicable to most property types 

  • Available to first-time or seasoned homebuyers

Qualification Requirements

  • Minimum 620 credit score 

  • Flexible qualification guidelines

  • Gifts allowed

  • Non-Occupying status allowed

  • Co-Borrowers allowed

  • US Citizen, permanent and non-permanent alien status allowed 

  • DACA and A12 eligible 

  • Standard mortgage insurance 

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Down Payment Assistance

105% Combined Loan-to-Value (CLTV) with our down payment assistance 

  • ​Fannie Mae HFA Preferred

  • Freddie MAC HFA Advantage 

  • Income limit requirements



Lower Mortgage Insurance Costs

  • No upfront mortgage insurance fee for additional savings

  • Less expensive monthly insurance payments than most other home loans 

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Benefits for First-Time Homebuyers

Access to special home loan solutions, including:

  • Fannie Mae 3% down for First Time Home Buyers (FTHB)

  • Freddie Mac Home One 

  • Standard mortgage insurance

  • No income limit requirement

  • Eligible for MCC (overlays may apply)


Note: You can qualify as a first-time home buyer even if you owned a home three years ago.


Connect with a Loan Originator Today!

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