Conventional
The Conventional Loan option at Lincoln Capital Fundings offers flexible, fixed-rate mortgages designed for borrowers with strong credit profiles, providing competitive interest rates without the need for government-backed insurance. Ideal for purchasing or refinancing primary, secondary, or investment properties, these loans offer a straightforward solution for those seeking stability and control in their home financing.
Is a Conventional Loan Right for You?
Conventional Loan Benefits
- Creditworthiness: Conventional loans typically require a higher credit score compared to government-backed loans. If you have a good credit score, a conventional loan might be a suitable option.
- Down Payment: Conventional loans often require a higher down payment, usually at least 5% of the home’s purchase price. If you can afford a substantial down payment, it could make a conventional loan attractive.
- Interest Rates: Conventional loans may offer competitive interest rates, especially if you have a strong credit history. This can result in lower long-term borrowing costs.
- Private Mortgage Insurance (PMI): If you can make a down payment of at least 20%, you can avoid the cost of private mortgage insurance, which is typically required on loans with smaller down payments.
- Loan Limits: Conventional loans may have higher borrowing limits than government-backed loans, which can be advantageous if you’re looking to purchase a more expensive property.
- Flexibility: Conventional loans come in various terms and options, such as fixed-rate or adjustable-rate mortgages, giving borrowers flexibility to choose what suits their financial situation.
- Investment Properties: Conventional loans are often used for investment properties and second homes, making them a suitable choice for real estate investors.
In summary, a conventional loan can be a good fit if you have a strong credit history, can make a significant down payment, and want flexibility in loan terms. However, it’s essential to assess your financial situation and compare loan options to determine if it’s the right choice for you, considering your specific needs and goals.
At Lincoln Capital Funding we’ll carefully review your unique financial details to help identify the mortgage loan option that best suits your needs, ensuring a personalized and informed decision for your home financing.
What our clients say about us.

"Lincoln Capital Funding made buying my first home a breeze! The process was fast, and the team was incredibly helpful every step of the way. I couldn’t have asked for a better experience and highly recommend them for anyone looking for a hassle-free home loan!"

I approached Lincoln Capital Funding for a business loan, and they exceeded my expectations. The terms were flexible, and the entire process was transparent and straightforward. Thanks to them, I was able to expand my business seamlessly!

Lincoln Capital Funding helped me secure a car loan with great rates and minimal paperwork. Their customer service was outstanding, and they made sure I fully understood the terms before moving forward. I’ll definitely work with them again for future financial needs!



