Conventional Loans

Our loan process is quick and painless, and all done online. Our lenders are seasoned professionals who know your market like the back of their hands. That being said, we're real people with real answers.

A Conventional Mortgage Loan is the most common type of mortgage loan. It's perfect for someone with great credit and at least a 20 percent down payment or a verified gift fund for a home purchase.

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Why choose a 30-Year fixed mortgage loan?

  • If you’re planning on staying in your home for more than 5 – 7 years
  • Your rate and monthly payment are fixed, meaning you’ll pay the same amount through the life of your mortgage loan
  • 30-year mortgage rates are typically more affordable due to the long loan period



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Why choose a 20-year fixed mortgage loan?

  • Your rate and monthly payment are fixed, meaning you’ll pay the same amount through the life of your mortgage loan, unless you choose to refinance
  • 20-year mortgage rates are typically more affordable compared to a 15-year due to the increased length of the loan
  • You’ll pay more interest than a 15-Year Fixed Mortgage over the life of your loan, but your monthly payment will be more manageable
  • If you are refinancing, a 15-Year Fixed Loan may not be manageable; however, a 20-Year Fixed Loan may be the more affordable option for you.



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Why choose a 15-year fixed mortgage loan?

  • You’ll save on interest over the life of your mortgage loan
  • You’ll pay off your loan quicker than other loan options
  • Your rate and monthly payment are fixed, meaning you’ll pay the same amount through the life of your mortgage loan
  • Rates on a 15-Year Fixed Mortgage are typically lower than other options