• Tel: 602-741-8414
    Email: ZurnTeam@academymortgage.com

  • Conventional Loan


    This is a standard Conventional Mortgage that allows for less out-of-pocket cash. Great for FIRST TIME HOME BUYERS with stronger credit and can avoid the mortgage insurance premiums that are common with FHA loans.  


    • Minimum 620 FICO credit score (680-740 FICO scores will result in the best rate of mortgage insurance)
    • Minimum 4 trade lines on credit
    • Clean rental or mortgage history for the past 12 months
    • 2 year work history                                                                                         


    • Only 3% down (less than FHA)
    • Mortgage insurance is not permanent
    • Rewarded for keeping credit strong