Conventional Loans

We make it a priority to help Connecticut home buyers research all of their options to find the one that fits their needs, including conventional loan options. These loan types are known to provide favorable rates to home-buyers because of their more challenging criteria.

Unlike FHA or other various low down-payment loans, conventional loans are not backed by the government and must conform to Fannie Mae and Freddie Mac lending guidelines.

While conventional loans do require a higher credit score, a common misconception is that they always require a 20% down payment. Case Financial Services can actually help buyers receive a conventional loan with a down payment as low as 3% in some cases, however, mortgage insurance is typically required each month until the 20% equity mark is met. Also, due to no upfront mortgage premiums, down payments are typically lower than FHA Loans.

Conventional loans are usually prominent options for buyers looking for a vacation or rental home that will not be their primary residence, as this is not allowed with other government loans. Buyers typically get lower interest rates upon qualifying because a conventional mortgage demands a higher credit score, thus making the buyer a lower risk for default.

If you are looking for a home in Hartford, Middlesex, or Tolland Counties, Case Financial Services can assist you in acquiring a loan of up to $417,000. Since the home values are higher in Fairfield County, buyers may borrow up to $601,450 while still being within the Fannie Mae-Freddie Mac conventional loan-lending guidelines.

Case Financial Services helps you compare different loan programs and also different funding sources with one application to help you find the perfect loan to fit your needs! Our experts can help you decide whether a conventional or government loan is your best option.

Whether you are just beginning your home-loan search and need to get pre-approved, or are in the final steps of finding a lender to fund your loan, Case Financial Services can help!

Give us a call today at (203) 245–7900 or fill out our quick form now to get a free, no obligation quote!



A mortgage broker does not lend money but rather arranges mortgage loans through third party lenders or investors.

Equal Housing Lender


Contact Us

Case Financial Services LLC
107 Whitney Avenue
New Haven, CT 06510