Conventional Home Loans for Confident Buyers

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

At Adam Closes, we help homeowners find balance and simplicity through conventional loans. These flexible, low-cost mortgage options are ideal for buyers with steady income and solid credit who want freedom in how they purchase or refinance their home. Whether you’re ready to settle into your first house, upgrade to your dream home, or refinance for better terms, our team ensures every detail is handled with speed, transparency, and care.

Unlike government-backed programs, conventional loans offer more flexibility when it comes to property types, loan amounts, and private mortgage insurance. That means more control over your investment, and the ability to save long-term. With Adam’s 20+ years of experience and Fairway’s powerful lending platform, you’ll get fast pre-approvals, smooth closings, and expert guidance at every step. We make home financing straightforward—so you can focus on what matters most: feeling confident in your future home.

Why a Conventional Loan Might Be Right for You

 

Conventional loans are the backbone of home financing for a reason — they offer balance, stability, and options that give homeowners more freedom, long-term savings, and control over how they build equity and wealth.

Flexible Terms
Choose from fixed or adjustable-rate mortgages designed to fit your long-term goals.
Lower Overall Costs
No upfront mortgage insurance premiums and reduced fees for qualified buyers.
Equity Growth
Build equity faster with down payment options starting at 3%.
Wide Property Eligibility
Perfect for primary residences, second homes, or investment properties.
Conventional loans are built for buyers who want flexibility, value, and confidence — helping you invest in a home that grows with your goals, not against them.

What to Expect from Our Conventional Loan Process

 

We keep it simple from start to finish — fast pre-qualifications, secure document uploads, and smooth closings within 30 days.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete our secure online application and upload your documents at your convenience.

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

With pre-qualification in hand, you can shop confidently and get your home under contract.

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

 

Your home financing deserves clarity, confidence, and a lender who’s on your side. Whether you’re buying your first home, moving up, or refinancing for a better rate, Adam Closes delivers fast approvals, transparent communication, and local expertise you can trust.

 

When you partner with Adam and the team, you’ll experience a streamlined process designed to make homeownership simple and stress-free. Call today or fill out the quick form below to start your pre-qualification — your next home is closer than you think.

Frequently Asked Questions

What is the minimum credit score for a conventional loan in 2026?
Most lenders require a minimum credit score of 620 for conventional financing. However, borrowers with scores of 740+ typically receive the most competitive interest rates and pricing adjustments. Strong credit can significantly reduce overall borrowing costs.
PMI can usually be removed once your loan-to-value ratio reaches 80% based on the original purchase price or current appraised value. It is automatically removed at 78% if payments are current. This flexibility is one of the major advantages of conventional loans over FHA financing.
Conforming loan limits vary by county and are adjusted annually. In most areas, the limit is set by the Federal Housing Finance Agency (FHFA), with higher limits in designated high-cost markets. Borrowers exceeding those limits may need a jumbo loan.
If you have solid credit and stable income, a conventional loan often results in lower long-term costs because PMI can be removed. FHA loans may have more flexible qualification standards, but they typically require mortgage insurance for a longer period.

Find out your home loan options today

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