Conventional Home Loans in Columbus, OH

Fast & Affordable

Ultimate Mortgage Brokers offers conventional loans for buyers and refinancers looking for a straightforward mortgage with competitive rates.

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Call us at (614) 361-7558.

Benefits of Conventional Loans

Conventional mortgages are perfect for those who want flexibility, low fees, and predictable payments, our conventional loans help you reach your homeownership goals without unnecessary complexity.

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Competitive interest rates and predictable payments
Low down payment options available
Flexible terms from 10 to 30 years
Ideal for first-time buyers, move-up buyers, and refinancing homeowners

Customer Reviews

How It Works

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Apply Online

Fill out our quick online form

Speak with a mortgage expert

discuss your financial goals with our mortgage expert and choose the best program for you

Complete everything online

Use document upload and e-sign capabilities to do everything online.

Get Approved

We have streamlined the process to get you approved fast!

Close Your Loan

Simply e-sign your documents and close on your loan

Who Should Consider a Conventional Loan

Buyers with good to excellent credit scores

Those with stable income looking for standard documentation loans

Homeowners aiming to refinance for lower rates or better terms


Conventional Loan FAQs

What is the minimum down payment for a conventional loan?

Conventional loans typically require a minimum down payment of 3% for first-time buyers, though most borrowers put 5–20% down depending on their financial situation and loan type.

Can I use a conventional loan to refinance my home?

Yes! Conventional loans are commonly used for refinancing to lower your interest rate, reduce your monthly payment, or access home equity.

Do I need perfect credit to qualify for a conventional loan?

No. While better credit scores improve your rate, conventional loans are available for borrowers with good credit (typically 620+) and a stable income.

How long does it take to get approved for a conventional loan?

With our streamlined online process, most approvals happen in days, not weeks, so you can close faster and reduce stress.

Apply for your loan today

Complete our form in less than 60 seconds and be on your way to getting approved for your mortgage!

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