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Accelerated Home Loans

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Conventional Loans

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Check Your Eligibility

Discover why homebuyers trust us to be their lender of choice.

Conventional Loan Services

Conventional Loans are the most popular type of mortgage, not backed by the government like VA or FHA loans. They’re ideal if you have good credit and can make a standard down payment.

Whether you’re buying your first home or refinancing your current one, a Conventional Loan offers flexibility and variety to meet different financial situations.

Who's Eligible?

  • Anyone with a good credit score (typically 620 or higher)
  • Homebuyers who can afford a down payment (as low as 3% but typically 20%)
  • Borrowers looking for a primary, secondary, or investment property

Advantages of Conventional Home Loans

  • Variety of Payment Terms: Choose from various terms, from 10 to 30 years.
  • Lower Cost with Higher Down Payment: Avoid private mortgage insurance (PMI) with a 20% down payment.
  • Competitive Interest Rates: Get low rates based on your credit score and other factors.
  • Flexibility: Use these loans for a primary residence, second home, or investment property.

Types of Conventional Loans

  1. Fixed-Rate Mortgage
    • Enjoy the stability of the same interest rate and monthly payments throughout the life of the loan.
  1. Adjustable-Rate Mortgage (ARM)
    • Start with a lower interest rate that adjusts over time, which could be beneficial if you plan on moving or refinancing in a few years.
  1. Conventional 97 Loan
    • Just 3% down required, making it easier to become a homeowner.
  1. Jumbo Loan
    • For financing more expensive properties that exceed the standard loan limits.

Applying for a Conventional Loan

  • Step 1: Check your credit score to make sure you meet the requirements.
  • Step 2: Gather financial documents like pay stubs, tax returns, and bank statements.
  • Step 3: Meet with us to discuss your options and find out how much you can afford.
  • Step 4: Shop for your home and make an offer.
  • Step 5: Submit your loan application and provide any additional documentation needed.
  • Step 6: Complete the home inspection and appraisal.
  • Step 7: Close on your home and start making memories.

Get Started With Your Loan Today

Curious about your options? Let’s talk! We’re here to help you navigate the loan process and find the best terms to fit your financial goals.

Start your application process with us today, and take the first step toward owning your dream home.

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WHAT LOAN PROGRAM IS RIGHT FOR YOU?

Finding the Perfect Mortgage Solution for You

At Accelerated Home Loans, we offer a wide range of loan types to accommodate the diverse needs of our clients. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance your existing mortgage, we have the perfect mortgage solution for you. Our experienced team of loan officers will work closely with you to understand your unique requirements and guide you towards the loan type that best fits your financial goals. Here are some of the loan types we specialize in:

Conventional
FHA Loans
VA Loans
HELOC
USDA
Reverse Mortgage

Quick Contact

Get started by speaking with a licensed lending officer.

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Opening Hours (PST)

NMLS #2412161

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If you have received a letter from Accelerated Home Loans Inc., and would like to be removed from our mailing list, please give us a call at (800) 582-2323.

Mortgage Moneyline, Inc dba Accelerated Home Loans makes customer service our number one priority. We encourage you to call our Corporate Customer Service department at (800) 582-2323 between 8:00 am and 5:00 pm Pacific Standard Time or email us anytime at info@acceleratedhomeloan.com for any complaint resolution you may have regarding the origination of your loan.

Accelerated Home Loans is a dba of Mortgage Moneyline, Inc, Department of Veterans Affairs Lender ID: 905394000, is licensed Arizona Mortgage Broker License # 1043490; California Department of Real Estate Corporation License Endorsement # 02192492; Colorado Mortgage Company Registration #2412161; Florida Mortgage Broker License # MBR5911; Maryland Mortgage Lender License # 2412161; Michigan NMLS ID FL0025526; North Carolina Broker License #B-219481;  Oregon Mortgage Lending License #2412161;  South Carolina Mortgage Broker License #2412161; Tennessee Mortgage License # 2412161; Texas – SML Mortgage Company License #2412161; Virginia Broker License # MC-7760. Nationwide Mortgage License System License #1895842. Licensing Information can be viewed at www.nmlsconsumeraccess.org. There is no substitute for a Loan Estimate. Accelerated Home Loans Inc., is an approved VA Lender.  VA Lender ID 90-32180000.

State of Texas – Consumer Compliant Notice: Figure: 7 TAC §80.200(b) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

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