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CONVENTIONAL
REFINANCE
Ideal for homeowners looking to lower their payment, reduce their rate, or shorten their term without taking cash-out.
Key Features
620+ Credit Score | Lower RatePayment | MI Removal Options
Why EHGM’s Conventional Loans Are Different
Our refinance approvals are fully structured upfront. We evaluate credit, income, pricing adjustments, and equity early in the process to eliminate surprises, streamline underwriting, and help you lock in savings with confidence.
Lower Fees, More Monthly Savings
As a mortgage brokerage, we compare multiple lenders’ conventional pricing to secure the most competitive rates and lowest refinance costs. With fewer markups and more lender options, you keep more of your monthly savings instead of losing them to inflated bank fees.
More Loan Options, One Application
Banks only offer their version of conventional refinance guidelines. We compare several lenders’ pricing, overlays, and flexibility to get you the most favorable terms — whether you’re lowering your rate, reducing your term, or removing mortgage insurance — all from one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders known for fast conventional underwriting and responsive service. That means fewer conditions, quicker approvals, and a refinance experience designed to keep your loan on track and close on time.
100% of clients work directly with a licensed advisor — never a call center.
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Conventional Refinance Criteria
What you can expect
Max Loan-to-Value
Refinance up to 97% LTV.
Appraisal
May be waived with a property inspection waiver (PIW).
Mortgage Insurance
Can be removed with 20% equity or more.
Employment
2-year work history. Exceptions allowed.
Income
No income limits. DTI ratios up to 50%.
Assets
Get limited cash-out (greater of 1% or $2,000) at closing.
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