At Prestian.ai, our Conventional Loan product offers competitive interest rates, flexible terms, and down payments starting as low as 3%.
Whether you're self-employed or salaried, you get access to options like zero-point loans, and can choose between fixed and adjustable-rate terms, so you can pick what fits your long-term goals.
Borrowers with stable income (whether salaried or self-employed, typically with at least 2 years of verifiable income if self-employed, as is required by Prestian.ai’s policy).
Sufficient documentation of income, assets, employment, and other obligations (existing debts etc.).
A credit history without major recent adverse events (bankruptcy, foreclosure) or with enough recovery time since such events.
Ability to make required down payment and cover closing costs, plus sufficient reserves in some cases
Prestian.ai supports both fixed and adjustable rate conventional loans and factors in credit profile when matching you to offers.
Prestian.ai also offers “zero point” options (i.e. you aren’t paying discount points to reduce interest rate up front) under certain conditions, which can lower your initial fees.
