Conventional Loans

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Check Your Eligibility

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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

Fixed-Rate Mortgage
- Enjoy the stability of the same interest rate and monthly payments throughout the life of the loan.

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.

Conventional 97 Loan

- Just 3% down required, making it easier to become a homeowner.

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.

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:

Accelerate to the best Rate!