As little as 3% down, with mortgage insurance you can remove. We shop multiple lenders to get you low rates.
Less mortgage insurance, more term options. We broker your loan or fund it ourselves.
First-time buyers can start at 3%.
Unlike FHA, it doesn't last the loan's life.
Match the term to your plans.
One team from quote to close, no handoffs.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes. We check whether conventional beats FHA for you.
We compare terms and mortgage insurance structures, with real payment numbers.
Upload docs, e-sign securely, and get your approval fast. We keep the file moving.
Review and sign your closing documents. Then pick up the keys.
Pick the officer you click with — every Agave LO is dedicated to your file from quote to close.
Jena is a skilled Presidents Club Mortgage Loan Originator with more than 3+ years of experience, offering personalized service for both purchase and refinance mortgages.
Greyson has a proven track record of securing favorable rates and terms for his clients with 2+ years of experience.
Hanna and Agave Home Loans will guide you through the home buying or refinance process with ease and transparency with 8+ years of experience.
Talk to a conventional specialist today. No hard credit pull, no obligation.
From the initial consult he was thorough in looking into the different options and programs available to us, interest rates and everything else. Never felt rushed. Exceptional communication throughout, and he followed up even after closing.
The home loan process can be stressful, but Kyra and Alex made it feel organized, transparent, and manageable. They were proactive, responsive, and genuinely seemed invested in making sure everything went smoothly.
Kiley at Agave Home Loans did an amazing job helping my wife and me secure a loan that fit our budget. While my credit challenges meant we couldn’t get the best interest rate, Kiley worked hard every step of the way and got the deal done. We appreciate her dedication, persistence and excellent communication throughout the process. Thank you Kiley! We appreciate you!!!
Quick answers about conventional loans, PMI, and how Agave compares.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
A conventional loan is a mortgage that is not insured or guaranteed by a government program like FHA, VA or USDA. Most are conforming loans, meaning they meet Fannie Mae and Freddie Mac guidelines and fall under the annual loan limit — $832,750 for a single-family home in every Arizona county in 2026. Conventional is the most common type of mortgage in the country, and for borrowers with reasonable credit and some down payment it is usually the lower-cost option over the life of the loan.
First-time buyers can put down as little as 3% on a conventional loan. Repeat buyers generally start at 5%. Putting down less than 20% means paying private mortgage insurance until you build enough equity, but it does not disqualify you, and waiting years to save 20% often costs more in rising prices than the mortgage insurance would have. We can show you what different down payments do to your monthly payment side by side.
You can request that private mortgage insurance be cancelled once your loan balance reaches 80% of the home's original value, typically with getting a new appraisal, and by federal law it terminates automatically at 78%. Rising home values or extra principal payments can get you there sooner. This is the main financial difference between conventional and FHA financing: FHA mortgage insurance stays for the life of the loan when you put down less than 10%, while conventional PMI is designed to end.
Getting your initial options from Agave doesn't require a hard credit inquiry. Our quick quote asks you to estimate your own credit range, or we can run a soft pull. You get to see where you stand before any true credit inquiry. If you decide to move forward with a full application, we'll ask your permission first and explain exactly what happens next.
A licensed Agave loan officer reviews your information and reaches out to talk through your options, usually within minutes. You'll get real numbers to look at, an explanation of the tradeoffs, and a straight answer about whether conventional is the right fit or whether an FHA or VA loan would serve you better. There's no obligation to move forward, and we don't sell your information or share it with other companies to market to you.
Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, fees, terms, and programs are subject to change without notice and may vary based on credit history, loan-to-value (LTV), property type, occupancy, loan amount, loan purpose, and other factors. Any rates, payments, or savings examples shown are for illustrative purposes only, are based on assumptions that may not apply to your situation, and are not a quote or guarantee of available terms. Your actual rate and payment will depend on your individual circumstances. Maximum LTV varies by loan program, property type, and occupancy, and stated LTV limits may not be available for all borrowers or programs. Additional restrictions, conditions, and requirements may apply. Contact us for a personalized quote.
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
