(661) 284-1150 | 28368 Constellation Road | Suite 398 | Santa Clarita, CA 91355

Conventional Loans

What is a Conventional Loan?

A conventional loan is any mortgage that is not guaranteed or insured by the federal government.

A conventional loan is generally referring to a mortgage loan that follows the guidelines of government sponsored enterprises (GSE’s) like Fannie Mae or Freddie Mac. Conventional loans may be either “conforming” or “nonconforming”. Conforming loans follow the terms and conditions set by Fannie Mae and Freddie Mac. Non Conforming loans don’t meet Fannie Mae or Freddie Mac guidelines, but they are also considered conventional. Whether you’re buying a home or want or refinance your mortgage, a conventional loan might be right for you. If you’re unsure about your credit rating, or have concerns about a down payment, conventional mortgages can give you peace of mind with super low closing costs and flexible payment options.


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Thoughts to Ponder and The Market Update January 9

  Thoughts to Ponder . . . Your mind needs exercise just as much as your body does, that's why I think of jogging every day. The odds of going to the store for a loaf of bread and coming out with ONLY a loaf of bread are three billion to one. Sometimes I pretend to be normal, but it gets boring so | READ MORE >

Thoughts to Ponder and The Market Update October 14

  Thoughts to Ponder . . . I'm not suffering from insanity, I'm enjoying every minute of it. Why do they call it beauty sleep when you wake up looking terrible? Exercise? I thought you said extra fries!   And now on to The Market Update . . . The stock market through the first 4 day| READ MORE >


Contact Us for More Information

on Home Loans, Refinancing, or Reverse Mortgages


  • Fred Arnold - your attention to detail is great and working everything in a timely manner - thank you.

  • Thank you so much much! I appreciate all your hard work. I felt very comfortable working with you since the first time we talked. The home buying process was all new and intimidating to me but you managed to walk me thru it with ease & grace. Thank you!
  • Rhona, Thank you so much for everything! It was a great experience working with you and your team! I still can't believe it all happened so fast. There isn't enough thanks that I can give, honestly. You were always so helpful and honest.  It's hard to find people like you now a days! I am grateful to have worked with you.
  • We are very pleased with the service we received from Fred Arnold and Tara. They were diligent in completing our refinance when previous efforts with a big bank left us very disappointed. We can't recommend the team at American Family Funding enough!

    Thanks guys!!

  • Rhona was excellent and provided updates from start to finish. She provided excellent support and guidance in handling our extenuating circumstances regarding our credit.
  • I went with Fernando because he was willing to meet and hand off docs and discuss. Michael

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