Michael Parsi NMLS 1372662

Michael Parsi

 NMLS #1372662   |   (650) 430–7886 

michael.parsi@loanfactory.com.

2195 Tully Road, San Jose, CA 95122

https://www.loanfactory.com/michaelparsi

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1372662

🏠 Conventional Loans Made Simple—with a Partner Who Puts You First

Conventional loans offer flexible financing and competitive rates for qualified homebuyers—and with the right guidance, they can be a powerful tool for building your future.
Unlike government-backed programs, these loans are supported by private lenders, which means more options and fewer restrictions—especially for buyers with solid credit and income.
When you work with me, you’re not just getting a loan—you’re getting a personalized strategy. I help you navigate the process with clarity, confidence, and care, so you can make the most of your homeownership journey.
Let’s find the right fit for your goals—and make it happen, together

💡 Why a Conventional Loan Could Be the Smart Move—with the Right Partner by Your Side

Conventional loans come with a range of benefits that can make homeownership more affordable and flexible—especially when you have someone guiding you who understands how to maximize those advantages.

    • Better credit can mean better rates: If your credit score is strong, you  may qualify for more competitive interest rates—saving you money over            the life of your loan.

    • No PMI once you hit 20% equity: Private mortgage insurance isn’t forever. Once you build enough equity, it may be removed, lowering your                    monthly payments.

    • Fewer hoops to jump through: Appraisal and property standards may be more relaxed compared to government-backed loans, giving you more            freedom in your home search.

    • Faster, smoother process: Conventional loans often move quicker through underwriting, helping you close with confidence.
    • Flexible repayment options: Choose a term that fits your financial goals—whether you’re looking for lower monthly payments or faster payoff. 

When you work with me, you’re not just choosing a loan—you’re choosing a tailored experience built around your needs, your timeline, and your long-term success. Let’s make your next move a smart one.

📋 What You’ll Need—And How I Make It Easier

Getting started with a conventional loan is simpler than you might think—especially when you have someone walking you through each step.
Here’s what lenders typically look for:
    • Proof of income and assets to show financial readiness
    • Details about your down payment or any gift funds you’re using
    • A qualifying credit score, depending on the loan program
    • Loan limits that vary by county and property type
When you work with me, I help you gather what’s needed, explain everything clearly, and make the process feel less like paperwork—and more like progress. Let’s make your path to homeownership smooth, confident, and stress-free

To learn more about your county’s Conventional income limits, please visit: Fannie Mae and Freddie Mac

💬 Let’s Talk—No Pressure, Just Clarity

Curious about your options or have questions about the mortgage process? I offer a complimentary consultation designed to give you honest insights and personalized guidance—without any obligation or commitment.
Whether you’re exploring possibilities or ready to take the next step, I’m here to help you feel confident and informed.
Just click below when you’re ready to start the conversation.

Fill out the short questionnaire on this page to start a discussion about your mortgage needs today!

We pride ourselves on excellent communication and easy accessibility when you need us. We are here to guide you every step of the way.

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