The most popular mortgage — at wholesale rates.
Shop 120+ lenders for your 30yr or 15yr fixed rate. No LO middleman. No lender fees. Get your real rate in seconds.
SEE MY OPTIONS IN 60 SECONDS →See estimated rates, payments, and loan options in seconds.
Today's Rate Snapshot
Rates shown assume 760+ credit score, 80% LTV, primary residence. Not an offer to lend. APR includes estimated fees and points.
Why Turn Times for Conventional?
120+ Lenders Competing For You
We shop wholesale lenders simultaneously so you get the lowest rate without calling around.
No Lender Fees From Turn Times
Third-party costs apply — but we never charge origination or broker fees on top of your rate.
Close in as Little as 14 Days
Our streamlined digital process moves faster than traditional mortgage lenders.
How It Works
Tell us about your loan in 60 seconds — no SSN required to start.
Tony AI shops 120+ wholesale lenders and shows you real rate options.
Lock your rate and close — we handle the paperwork end to end.
Not ready to apply? Chat with Tony AI first.
Ask Tony AI
AI Mortgage Advisor
Hi there! I'm Tony AI, your mortgage advisor from Turn Times. I can definitely help you understand conventional loans and what might go into qualifying for one.
Conventional loans are a popular choice, and they're not backed by a government agency like FHA or VA loans. Instead, they conform to guidelines set by Fannie Mae and Freddie Mac.
Here's a quick overview of what typically goes into qualifying for a conventional loan:
- Credit Score: Generally, you'll need a credit score of 620 or higher. The higher your score, the better your chances for a lower interest rate.
- Down Payment: You can put down as little as 3% for some conventional loans, though 5%, 10%, or even 20% or more are common. Putting down 20% or more means you won't have to pay Private Mortgage Insurance (PMI).
- Debt-to-Income (DTI) Ratio: This ratio compares your total monthly debt payments (including your new mortgage payment) to your gross monthly income. Lenders typically look for a DTI of 45% or lower, though it can sometimes go higher depending on other factors.
- Loan Limits: Conventional loans have limits on the maximum amount you can borrow, which vary by county and are updated annually. Loans above these limits are considered "jumbo" loans.
Regarding rates: Interest rates change daily and depend on many factors specific to your situation, like your credit score, down payment, loan term (15-year, 30-year, etc.), and even the type of property. Because of this, I can't give you a specific rate quote here.
Your next step: The best way to find out what rate you might qualify for and get a personalized assessment is to speak with one of our expert loan officers. They can look at your unique financial situation and shop wholesale rates from many lenders to find the best option for you.
Ready to explore your options? You can apply in minutes or schedule a free call with us!
Ask Tony AI provides general mortgage education — not personalized financial advice. For a rate quote or pre-approval, speak with a licensed loan officer.
Tony is an AI-powered tool for informational purposes only. Tony is not a licensed mortgage loan originator and does not provide credit decisions. Results are not a commitment to lend. All loan applications are subject to credit approval and underwriting.
Ready to find your Conventional rate? It takes less than 60 seconds.
GET MY RATE — NO COMMITMENT →We use cookies to improve your experience. Privacy Policy.