Understanding A Conventional Loan
A Home Loan That Can Offer More Savings!
If you are looking to benefit from your good to excellent credit score, a Conventional Home Loan might be right for you. Typically when you qualify for this type of loan, you have lower down payment options and can receive a lower interest rate, which results in less interest paid over the life of the loan.* In addition, if you have a minimum down payment of at least 20%, your private mortgage insurance (PMI) isn’t required, which lowers your monthly payment and provides for more savings in your wallet.
AmeriHome offers Conventional Fixed-Rate Mortgages with your personal goals in mind. 10 to 30-year options ensure your home loan matches your monthly budget needs.
Conventional Home Loan Benefits:
- Get started with a down payment as low as 3%
- No Mortgage Insurance required for loan amounts up to 80% of your home value
- Cash-out refinance available up to 80% of home value
- Rate and term available up to 95% home value
To get your personal consultation, contact one of our Home Loan Experts at 855.368.3291.
Ready To
Refinance Or Buy A Home?
Refinancing Options
If you currently have an FHA loan, you can look at lowering your monthly payment by removing your private mortgage insurance with a Conventional loan. You can also refinance to lower your interest rate or take cash out to pay for large expenses.
Buying A Home
Are you In the market to purchase a new home? Contact one of our Home Loan Experts to get pre-qualified in minutes and pre-approved the next business day so you can shop with confidence.
Why Refinance
With AmeriHome?
No Nonsense, No Hidden Fees, No Wasted Time.
Make a Decision About Your Mortgage With Confidence.
Safe And Secure
We protect your data while it’s at rest or in transit with a defensive in-depth cybersecurity strategy.
Transparent Pricing
What you see is what you get. We provide a clear explanation of loan costs and won’t surprise you with extra fees or hidden add-ons.
Service And Loan Assistance
Our loan officers will be there for you every step of the way, helping you find a refinance package that works with your lifestyle.
No Pre-Payment Penalties
Pay off all of your debt as fast as you can, with no penalty. At AmeriHome, it’s our job to help you own your home free and clear, as fast as you can.
See What Other Customers Are Saying…
Answered All The Questions No Matter What Time
”
“
Would like to thank Sean Bose and the processor George Israel for working us through a refi—They answered all questions no matter what time of day—and would check on us regularly to make sure all was going smoothly. Thanks for going above and beyond personal service.
~ Kyle S.
They handled everything so professionally
”
“
Kenneth Ornelas and Philip Simon made the process of refinancing our home very easy. They answered our emails so quickly and were always available to answer any questions. This was such an easy and smooth process. They handled everything so professionally, from start to finish. If we could rate them 10 stars, we would. That’s how happy we were with this entire process! We would highly recommend them.
~ Leslie P.
The process was painless on our end
”
“
Ryan King and Amy Yang were extremely helpful during our refinance process. Ryan was able to come up with quick solutions and helped us save a lot of money! The process was painless on our end, and Ryan and Amy were so flexible with both of our busy schedules. We are so grateful for this experience and will be using them in the future.
~ Meghan B.
All reviews are sourced from TrustPilot.
Phone
©2026 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Lender.