LOW DOWN PAYMENT
Conventional Mortgage
A non-government-backed loan that follows guidelines set by Fannie Mae and Freddie Mac. Widely used and highly flexible for qualified buyers.
Flexible & Competitive
Minimum down payment
3%
For first-time buyers
PMI required?
<20% down
Removed once you hit 20% equity
Loan limit (2026)
$832,750
MA conforming limit
Credit score
620+
Better rates at 740+
WHY BUYERS LOVE IT
As little as 3% down - no large upfront cash required
PMI can ve removed once you reach 20% equity
Available for primary homes, second homes, and investment properties
No upfront mortgage insurance premium like FHA requires
THINGS TO CONSIDER
Stricter credit and income requirements than government-backed loans
Best rates reserved for borrowers with stronger credit profiles
Ideal for: Buyers with solid credit (620+), stable income, and who want flexible property options without government program restrictions.
Standard Mortgage Capital LLC
dba Rize Mortgage
NMLS 1604663
Contact Me
Located in Massachusetts
Licensed in MA and RI
Rize Mortgage
53 NW 100th Ave
Plantation, FL 33324
774-240-4240
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