Take advantage of competitive rates with a conventional or conforming purchase or refinance.

• Most Common Program

This is the most utilized mortgage program in the U.S. offered through either Fannie Mae or Freddie Mac as a GSE (Government-Sponsored Enterprise)

• More Property Options

Whether you are looking for a 2nd home or investment property, you get more options through a conforming loan.

• No Program Fees

While an FHA program has an upfront mortgage insurance premium, VA loans may have a funding fee (if you are not exempt) that is added to your loan amount and financing.  Conventional loans do not have these additional Program Fees.

• Private Mortgage Insurance (PMI)

If your down payment is 20% or greater, there are no additional mortgage insurance costs added to your monthly payment.  You can also have the option to remove your PMI when your loan to value drops below 78% per investor requirements.

• Competitive Rates

Conventional loans offer competitive mortgage rates to save you money.  We can help you compare the rates and total costs of different programs to make sure you choose the one that is most advantageous to your needs.

• Fixed & Adjustable Rates

Choose between fixed options and adjustable-rate options