AmeriHome Mortgage A Western Alliance Bank Company Logo In Color

Understanding A Conventional Loan

Happy young man on cell phone in the kitchen

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 888.469.0810.

Get Your Instant Rate Quote Below To Get Started.

Ready To
Refinance Or Buy A Home?

Home Loan Refinance orange icon

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.

Learn More

Home Loan orange icon

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.

Learn More

Why Finance
With AmeriHome?

No Nonsense, No Hidden Fees, No Wasted Time.
Make a Decision About Your Mortgage With Confidence.

An Orange and White Shield with a lock emblem icon

Safe And Secure

We protect your data while it’s at rest or in transit with a defensive in-depth cybersecurity strategy.

An Orange and White transparent window icon

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.

Line art icon of target with arrow pointer.

Service And Loan Assistance

Our loan officers will be there for you every step of the way, helping you find a finance package that works with your lifestyle.

An Orange and White piggy bank Icon

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…

Trustpilot 5 Star Rating


My experience with AmeriHome has been a 5 star experience all the way. Mimi Le, the loan officer, was very personable and made sure that every question that I had was answered with a smile. The assistant, Elsie Barajas, continued this experience very professionally and gracefully and the processor, Kenneth Ornelas, got me to the finish line with making sure that I was 100% satisfied. Overall the customer service was red carpet all the way. I’m glad to have worked with such professionals and friendly team. I would refer AmeriHome to my family, friends and loved ones.

~ Twana R.

Trustpilot 5 Star Rating


What a pleasant loan process from application to signing. Loan consultant worked with me every step of the way to find the best solution for my needs, explained everything clearly, made sure everything went smooth. Highly recommend AmeriHome Mortgage. Thanks for the great service.

~ Kyle

Trustpilot 5 Star Rating


This has been such a delightful process. The team that assisted in our Loan process was the best I have ever encountered. We were always aware of what was going on. The loan [officer] Sean Grote and his assistant Aryana Mata not only contacted us through email but also made personal phone calls to keep us informed. They made sure all our questions were answered. The processor Marie [Eliasson] that completed the loan was always available, very professional and a pleasure to work with. I will recommend this company!!!!!

~ Tina-Tim W.

Your Better Home Loan…
Designed Just For You!

Be sure to give us a call to speak with one of our Home Loan Experts about your customized home finance evaluation and getting the better home loan.

Lets Get Started!

Happy call center representative with headset

Customer Support

  • Customer Service for existing accounts:
  • 888.469.0810
  • Mon-Fri 8am-5pm Pacific
  • Mortgage refinance application and status:
  • Thousand Oaks, CA 91362-3888
  • 844.272.5617
  • Address

  • AmeriHome Mortgage Company, LLC
  • NMLS ID 135776
  • Company Headquarters
  • 1 Baxter Way, Suite 300
  • Thousand Oaks, CA 91362-3888
  • AmeriHome Mortgage A Western Alliance Bank Company Logo In White


    Top Workplaces Award 2021
    Better Business Bureau Accredited Business A+ Rating
    Better Business Bureau Accredited Business A+ Rating
    Top Workplaces Award 2021

    ©2024 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: Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.