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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.

Articles

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 >

Happy Labor Day and the Market Update September 5

    Thoughts to Ponder . . . Silence is golden, unless you have kids, then silence is just plain suspicious. If we shouldn't eat at night, why is there a light in the fridge? A relationship without trust is like a cell phone with no service, all you can do is play games. All you need i| READ MORE >

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  • Rhona, thank you so much for your care, time and friendliness towards us. With our gratitude for your outstanding and excellent financial services for us.
    Real & Barbara
  • Vytas was excellent in helping us buy a wonderful home for our family. He was there for us from the moment we called to answer questions and walk us through the entire process. He was always helpful and very responsive and went above and beyond. We will definitely recommend him to others.
    Christina
  • Fred Arnold and Tara were fabulous. We encountered several issues required by the lender and they were creative in recommending and then obtaining solutions to each problem in a timely manner. I would recommend them for any financing or refinancing transaction without hesitation!

    John
  • Fred Arnold always followed up with prompt service on everything. I was very satisfied.

    Suzanne
  • Jake was very pleasant to work with; highly knowledgeable and excellent service.
    Dolores
  • Dear Rhona, Thank you for all your support with the house purchase. Indeed I love it very much, I feel grateful to have met you!! Grazie!
    Francesca

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