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.

By submitting, you agree to be contacted by the Ronald Cepeda Team about your inquiry. We respect your privacy and never sell your information.

✅ 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.