Conventional Loans Florida | As Little as 3% Down | Ronald Cepeda
Pioneer Mortgage Funding · Conventional Loans

The Classic Path to Homeownership. Done Right.

Steady income and solid credit? A conventional loan is usually your sharpest tool — and a broker who shops 50+ lenders makes sure you get the sharpest version of it.

✓ As little as 3% down✓ First-time buyer friendly✓ 50+ lenders shopped
Get Pre-Approved

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

Low Down Payment Options

Qualified first-time buyers can put as little as 3% down — and 5% programs are widely available for everyone else.

2

No Upfront Mortgage Insurance

Unlike FHA, conventional loans skip the upfront MI premium — and monthly PMI drops off once you hit 20% equity.

3

The Broker Rate Advantage

Banks quote you their rate. We shop your file across 50+ lenders and pit them against each other for your business.

4

Clean, Fast Closings

Strong conventional files routinely close in under 30 days — sellers take your offer more seriously with our pre-approval behind it.

Client Scenario

First-time buyers, 5% down, seller-paid rate buydown

Jasmine and Tyler — a nurse and a teacher in Pembroke Pines — assumed they needed 20% down and kept renting. We pre-approved them with 5% down on a $435,000 home, then negotiated a seller credit that bought their rate down for the first two years. Their monthly payment landed within $180 of their rent — for a home they own.

$435K
Purchase Price
5%
Down Payment
26
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Pre-Approval Conversation

Fifteen minutes with Ronald — income, credit, goals. You'll get a real number, not a guess.

2

We Shop the Rate

Your file goes head-to-head across 50+ lenders. You see the winner — with the math.

3

Clear to Close

Underwriting managed daily. You get updates before you have to ask.

Client Reviews

100+ five-star Google reviews

★★★★★

"Ronald was such a pleasure to work with — friendly, professional, and always quick to respond."

— Dezurey Garcia
★★★★★

"From the moment we spoke, transparency was given throughout the whole process. Two weeks exactly to close!"

— Andrew Puebla
Read all reviews on Google →
Get Started

Get Pre-Approved

Ronald Cepeda

Ronald personally reviews every inquiry —
expect a call or text the same business day.

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✅ You're all set!

Ronald will reach out shortly. Want to talk now?
Call or text 305-785-3915
or schedule a call.

Common Questions

Conventional Loans FAQ

What credit score do I need for a conventional loan?

Most conventional programs start at a 620 score, with the best pricing typically at 740 and above. We'll tell you exactly where your score puts you.

How much do I really need down?

Qualified first-time buyers can go as low as 3% down; 5% is standard for others. Twenty percent avoids PMI but is absolutely not required.

Conventional vs. FHA — which is better?

It depends on your credit and down payment. Conventional avoids upfront mortgage insurance and PMI can be removed later; FHA can be friendlier to lower scores. We run both and show you the math.

How fast can I close?

Clean conventional files with responsive borrowers routinely close in 21–30 days.