Precision Conventional Financing. Structured for Your Long-Term Goals.

Conventional loans are backed by Fannie Mae and Freddie Mac rather than a government agency. Their biggest advantages are flexibility on mortgage insurance — private mortgage insurance (PMI) can be removed once you reach roughly 20% equity, unlike FHA's often-permanent mortgage insurance — and access to higher loan amounts through high-balance and jumbo-conforming limits. We model both paths side by side so you can see which actually costs you less over time.

In higher-cost areas, Fannie Mae and Freddie Mac allow conforming loan limits above the national baseline — these are “high-balance” conventional loans. They let you finance a more expensive property while keeping agency pricing and guidelines, often at a better cost than a full jumbo. We map your property's location and price against current high-balance limits to structure the most efficient option.

Yes. Conventional programs finance primary residences, second homes, and investment properties, each with its own down-payment and pricing structure. We model multi-property ownership scenarios so you understand how a second home affects your overall leverage, reserves, and long-term portfolio strategy before you commit.

Qualification centers on your credit profile, income or cash flow, assets and reserves, and the property itself. Imperium can review eligible conventional options offered by participating wholesale lenders. The fastest way to begin is to request a custom scenario model — no credit pull is required for that initial request.