Conventional Loan Programs

Typically featuring better rates, terms and/or lower fees than other mortgage loan types.

A Conventional mortgage loan is not insured by the government unlike a FHA, VA or USDA loan and typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Most Conventional loan programs allow you to purchase, refinance or renovate single-family homes, warrantable condos, planned unit developments (PUD), and 1-4 family residences. It can also be used to finance a primary residence, second home or investment property. The most common Conventional mortgage loans are fixed rate mortgages and adjustable-rate mortgage loans.

 

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Fixed Rate Mortgages

Featuring loan terms from 5 years to 30 years, your interest rate remains the same even if mortgage interest rates increase. If rates fall, you can refinance to a lower rate. Because your interest rate remains the same, your monthly mortgage payment also remains the same making for easy budgeting. 

 

Adjustable-Rate Mortgages (ARM)

ARM loan products offer lower initial rates and mortgage payments. A cost-effective solution for prospective homebuyers with short-term mortgage goals, the first number in your ARM program refers to the fixed rate period at the start of the mortgage. The second number in the ARM program references the intervals your rate will be reset following the introductory fixed rate period.

 

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"Super friendly group and great to work with. Would recommend to anyone in the market of their services."

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Is Conventional loan program right for you? Contact our team today and we’ll be happy to help craft a customized mortgage solution based on your unique needs.

 

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This is not a commitment to lend. All loans subject to program guidelines including credit and property approval. If refinancing an existing loan, the total finance charges may be higher over the life of the loan. These materials are not from HUD, VA, or FHA and were not approved by HUD or any other goverment agency.