Conventional loans in Culver City
The most common home loan. Not government-backed, and follows the rules set by Fannie Mae and Freddie Mac.
No credit check to see your options
Conventional could be a fit if…
- You have solid credit
- You have steady, documented income
- You want mortgage insurance you can remove later
- You might buy a second home or rental
Pros and cons
What's good
- Mortgage insurance can be removed once you reach 20% equity
- Works for main homes, second homes and rentals
- Often the lowest total cost for strong credit
What to watch
- Stricter credit and debt rules than FHA
- Higher-priced homes may need a jumbo loan instead
- Mortgage insurance costs more with lower scores
How Conventional compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | Conventional | FHA | Jumbo |
|---|---|---|---|
| Best for | Two years of solid tax returns | First-time buyers still building credit | Westside prices above standard loan limits |
| Backed by | Not government-backed (Fannie Mae / Freddie Mac rules) | Insured by the FHA (HUD) | Not government-backed (each lender's own rules) |
| Credit | Usually higher than FHA | Flexible — HUD's minimum is 500, many lenders want 580+ | Strong credit expected |
| Mortgage insurance | Needed below 20% equity; removable later | Upfront and monthly premiums | Usually none |
| Property | Main home, second home or rental | Your main home, 1–4 units | Main home, second home, sometimes rentals |
| Loan limit | Conforming limit set by county | Set by county | Above the conforming limit ($1,249,125 in LA County for 2026) |
What does 'conforming' mean?
It means the loan fits Fannie Mae and Freddie Mac's rules, including a maximum loan amount for your county.
When can I drop mortgage insurance?
You can ask to cancel it once you reach 20% equity, and it ends automatically at 22% on the original schedule.
Is conventional better than FHA?
For strong credit it usually costs less overall. With lower scores, FHA can win. I'll compare both for you side by side.
Can I use it for an investment property?
Yes. Conventional loans work for rentals and second homes, with different rules than for your main home.
Don't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if Conventional is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
Get My Conventional QuoteOr call or text (310) 555-0177