Flexible Financing for Qualified Borrowers

Competitive fixed-rate mortgage options with flexible terms for primary residences, second homes, and investment properties.

What Is a Conventional Loan?

A conventional loan is a mortgage that is not backed by a government agency. It is one of the most common financing options for homebuyers and homeowners who meet standard credit and income requirements.


These loans offer competitive interest rates and multiple term options to fit different financial goals.

Who This Loan Is Best For

If you meet standard qualification guidelines, a conventional loan often provides competitive rates and flexible terms.

Qualification Overview

Approval is based on factors such as:

Credit score and credit history

Income and employment stability

Debt-to-income ratio

Property type and occupancy

Key Highlights

Why Work With Cody Financial

We help you compare conventional financing with other loan options to ensure it aligns with your long-term goals.


From application through closing, we focus on clear communication and consistent updates

Ready to explore your conventional loan options?

Loan programs, rates, terms, and qualification requirements are subject to change and borrower approval.