AD Mortgage
Grow your business
with our Fannie Mae and Freddie Mac
Conventional Standard and High Balance options!
We offer a wide range of Conventional Loan options designed to help our partners find the best-fit solution for their clients. Close deals on great terms with fast turnaround times, innovative technology, and consistent support
Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance
Perfect program for first-time homeowners with no geographical or income restrictions
Great Conventional option for low-middle income borrowers and allows gift funds for downpayments
An affordable mortgage option for low- to moderate-income individuals
See ProgramsA fit for homeowners seeking properties exceeding the standard limits
See ProgramsConventional programs by AD Mortgage offer some of the best rates in the industry. We consistently adjust them to market conditions
Partnering with private lenders offer additional variability in program options and eligibility requirements
Borrowers can choose fixed rates or ARMs, depending on their personal preferences and long-term goals
With higher CLTV thresholds, more borrowers can qualify more easily. Also, the loans can be structured more flexibly
A wider range of borrowers, including people with higher debt levels, are eligible
While the required credit score is rather high, it is still achievable. In case the borrower has lower FICO, AD Mortgage offers other loan programs that might fit
Conventional loans must fit into the loan limits, and therefore the range of eligible properties is narrow. If your client is purchasing high-value properties above these limits, AD Mortgage has other solutions to offer
Agency standards limit eligible properties and borrower profiles. If your client does not meet these guidelines, Non-QM loan options by AD Mortgage can be an opportunity for them to qualify
Moderate savings limit borrower's ability to qualify. When the down payment is small, AD Mortgage's FHA and Non-QM products might be worth considering
“As one of the best in the industry in 2026, AD Mortgage’s Conventional Loan programs help brokers better serve borrowers and offer flexible options that meet their strategic needs. Our goal is to make homeownership dreams a reality while supporting our partners with the innovative
solutions they need.”
Leverage AIM — the Partner Portal with AI-powered features and tools for fast closings of Conventional loans
Take advantage of all the tools to streamline your workflow
AD Mortgage is here to help brokers grow their business. We offer a wide range of mortgage solutions, including Conventional Loan programs, which improve and strengthen your portfolio. Our team understand our partners' needs and we work diligently to support your success in the Conventional space
Tailored Conventional home
loans to meet the needs
of most borrowers.
Streamlined systems
and processes
designed to reduce time
start to finish.
Experienced Conventional
lending team focused on your needs.
Innovative leader actively
finding solution Conventional
mortgage space.
What is a conventional loan?
Conventional loans are mortgages that are not insured or guaranteed by governmental agencies (unlike FHA or USDA). These loans are offered by private mortgage lenders, such as AD Mortgage. Conventional loans are an extremely popular mortgage solution, and they currently represent around 70% of the market. Read our blog article to learn more about what conventional loan is.
What are Fannie Mae and Freddie Mac?
Fannie Mae and Freddie Mac are government-sponsored enterprises (GSEs) that support U.S. homebuyers and mortgage markets. Instead of working with borrowers directly, these agencies purchase loans from lenders and resell them on the secondary market.
What are interest rates for a conventional mortgage?
Interest rates on conventional loans vary based on factors like market conditions, borrower profile, and lender overlays. Use our Loan Calculator to see your client’s current interest rate.
What is the difference between government loans like FHA and VA and Fannie Mae and Freddie Mac mortgages?
Federal Housing Administration (FHA) and Veterans Administration (VA) loans are guaranteed by the US government and have special conditions built into them to assist borrowers in getting financing. These conditions are especially attractive for first-time home buyers and those with minimal down payments and reserves. AD Mortgage provides many attractive options for FHA and VA loans.
Fannie Mae and Freddie Mac do not guarantee loans or assist borrowers with special conditions. Instead, these are Government Sponsored Enterprises (GSEs) that buy mortgages from lenders and then resell them to investors as Mortgage-Backed Securities (MBS). Borrowers and brokers will rarely, if ever, interact with either group; however, their existence in the market ensures that there are plenty of lenders and money available to homebuyers in the housing market.
Which is better, conventional or FHA?
There is no universally better option – they just fit different borrower profiles. Conventional loans usually work better for stronger profiles and borrowers who want lower long-term costs or more flexibility with property types. FHA loans are mostly for those who need to qualify now but have lower credit scores or weaker financial profiles. You can find a conventional vs. FHA comparison here.
How do I apply for a conventional loan with AD Mortgage?
Why choose AD Mortgage for a Conventional loan?
AD Mortgage offers 7 Conventional Loan programs, including Freddie Mac HomeOne, Fannie Mae HomeReady, as well as refinancing and high-balance options. These programs cover different borrower needs, making it easier to find a best-fit solution for each case. In addition, AD Mortgage provides quick turnaround times, 24/7 customer support, and great service.
What is the minimum down payment on a conventional loan?
The minimum down payment for conventional loans is 3% for eligible first-time homebuyers and 5% for repeat borrowers. However, when putting less than 20% down, private mortgage insurance (PMI) is required until the borrower builds 20% in home equity.
What is the minimum FICO score to get a conventional mortgage?
The minimum credit score for conventional loans is 620. However, for low-score profiles, it might be worth considering FHA and VA mortgage options as well. AD Mortgage has several solutions available for borrowers with low FICO scores.
Do conventional mortgages have better rates than other loans?
Borrowers with strong profiles can achieve favorable terms on conventional loans. However, mortgage conditions depend significantly on the overall file. Brokers should choose the most appropriate mortgage solution for each case individually.
AD Mortgage has many mortgage programs to meet most borrowers’ needs.
Is it harder to get a conventional loan?
Typically, yes. Lenders typically require a credit score of at least 620 and DTI under 45%. Borrowers with a high FICO and sufficient savings can benefit from a Conventional Loan by AD Mortgage, as it provides a smooth workflow, fast turnaround times, and favorable terms.
If I don’t qualify for Fannie or Freddie Mac, can I still get a conventional mortgage?
In many cases, you may qualify for another conventional mortgage even if you don’t meet the Fannie Mae and Freddie Mac criteria. It is also possible that you will qualify for other mortgage programs offered by AD Mortgage that best suit your individual needs and circumstances. Discuss these options with your broker to decide what is best in your situation.
Is a ‘conv’ mortgage different than a conventional mortgage?
A ‘conv’ mortgage usually refers to an abbreviated version of ‘conventional’.
Do I need mortgage insurance for a conventional mortgage?
Conventional loans require private mortgage insurance (PMI) if the borrower puts less than 20% down. However, PMI can be canceled once 20% home equity is reached.
Can I refinance a conventional loan?
Yes, a conventional loan can be refinanced, for example, through Fannie Mae RefiNow or Freddie Mac Refi Possible. These solutions help borrowers to lower their interest rate and monthly payments, with reduced documentation required.
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