Conventional Fixed Rate Home Loans

LET'S EXPLAIN SOME KEY POINTS...

Conventional fixed rate home mortgages offer great interest rates and loan terms. Since some people choose a fixed-rate loan over an adjustable-rate mortgage (depending on your situation), they don’t have to worry about rising mortgage rates, which makes it easier to budget.

3%-20% Down Payment

20% down will eliminate the need for Mortgage Insurance (MI). 3% Minimum down payment allowed. Less than 20% down will require MI, however, you will be eligible to cancel and remove MI once enough equity in the home has been reached.

Gift Funds

Don't have money for a down payment, but have family or friends who want to give you money for a down payment? That's great! Gift funds are allowed! Your entire down payment can come from gift funds.

Low Fixed Rate

Fixed rate payments will not fluctuate from month to month or year to year, they remain stable and reliable. Fixed rate loans offer a wide variety of term options as well, for example we have anywhere from 10, 15, 20, 25 to 30 year term options.

"Home is the nicest word there is."
- Laura Ingalls Wilder

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