Conventional Home Loans
Conventional mortgage loans may be the type of home loan you are most familiar with to purchase a new home. We offer dozens of conventional mortgage loan programs.
Conventional Mortgages Hand-Picked For You
With a range of different options to suit individual and family lifestyles & income, our conventional home loans are hand-selected to offer competitive rates, a wide range of solutions, and the specific service you need to get the right home loan for your financial situation.
Learn more about some of our mortgage popular conventional mortgage loan programs or fill our quick mortgage quiz to get started today. Feel free to contact us at anytime to discuss your mortgage situation.
Conventional Mortgage Loan Programs
Conventional Home Loan
Our Conventional Mortgage Loans include:
The FHA or VA does not insure conventional loans. Generally, these are good options if you have a higher credit score and stable employment history. Interest rates for conventional loans are usually some of the lowest. Interest rates for conventional loans are some of the lowest available. There are many fixed-rate options with terms ranging from 10 to 30 years, but you are not limited to 15- and 30-year terms only. You can use a conventional loan to finance a property in a high-cost area. Down payments are as low as 3% depending on your loan amount.
Dreaming of homeownership but still saving for a down payment? You may now be able to purchase with a Home One mortgage. It only requires a 3% down payment, and you’re not limited to a traditional residence. You may qualify with a minimum 620 FICO score. Several property types are allowed, including single-family homes, condos, modular homes, one-unit co-ops, manufactured homes, and homes in Planned Unit Developments (PUDs). Homebuyer education is required and helps you prepare for the responsibilities of a mortgage.
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Remodel, renovate or repair your home with a Renovation loan from Fannie Mae. Also available for new and existing homes – even new construction. You may qualify for renovation fund amounts from $5,000 up to 75% of your home’s post-renovation value. Lower closing costs, since you’re closing a single transaction. Several property types are allowed, including single-family homes, 2-4 unit properties, modular homes, second homes, and homes in Planned Unit Developments (PUDs). Fixed- and adjustable-rate mortgage options.
This loan program is a Freddie Mac program designed to bring homeownership within reach to more borrowers.
This program offers low down payments and easier credit scores. Down payments of as low as 3%. Credit scores as low as 620 are accepted. Several property types are allowed, including single-family homes, 2-4 unit properties, modular homes, condominiums and homes in Planned Unit Developments (PUDs). Temporary buydowns can reduce your starting interest rate for 1-2 years. Homebuyer education is required for first-time buyers.
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These loans reduce the typical down payment and mortgage insurance requirements. They’re also more flexible with co-borrower requirements, including allowing co-borrowers who won’t be living in the home. For example, parents can co-sign a loan to help their adult children get approved. Down payments as low as 3%. Credit scores as low as 620 are accepted. Permits family or friends to co-sign the loan. Several property types are allowed, including single-family homes, 2-4 unit properties, modular homes, condominiums and homes in Planned Unit Developments (PUDs). Homebuyer education is required.
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You’ve built outstanding credit. You deserve an outstanding rate. Take advantage of some of the lowest rates in the country. 700+ credit score/$125,000+ loan amount. Eligible for primary, secondary, and investment properties. Property inspection waivers honored. Hit contract dates with fast turn times. Contact us to learn more.
Get a better rate without extending your term. Flex-term refinancing helps you manage your budget and timeline. Refinance without resetting your ter. Modify your loan to fit your budget. Potentially save thousands of dollars in interest. Available on conventional, FHA and VA loan products. Contact us to learn more about mortgage refinancing.
More Conventional Mortgage Loan Options
We provide dozens of conventional mortgage loan programs and there’s always something unique for every buyer’s situation. Contact us today to start your mortgage pre-qualification and soon discover your mortgage options. Give us a call at 585-288-2930 or send us a message, our team is ready to help.
Start Your Mortgage Pre-Qualification
Take our quick mortgage quiz below!
It’s easy to get started with your mortgage pre-qualification. Just fill out the quick mortgage quiz below to give our team a little information about your situation and we’ll be in touch right away to start your mortgage pre-qualification. Click here to contact us directly.
Not sure where to start in finding the right mortgage for your needs? Our team is the ideal solution to help you discover your mortgage options. We’re licensed in both New York and Florida. After completing the form below, someone from our mortgage team will contact you back within 1-2 business days.