A mortgage loan not insured by any government program, conventional loans are the most common type of mortgage. They differ from FHA loans and VA loans which are insured by the government. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac. Nonconforming loans don’t meet those qualifications, but are also considered conventional. Each mortgage lender, bank or mortgage broker will offer different rates, terms and fees for conventional loans, so it’s best to get Good Faith Estimates from a number of different places to find the best loan.

Fixed Rate Mortgage

A fixed rate mortgage is a mortgage that has a static interest rate for the entire life of the loan, and offers a straight forward, consistent monthly payment.

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Adjustable-Rate Mortgage (ARM)

An Adjustable -Rate Mortgage, commonly referred to as an “ARM”, is a mortgage loan with an interest rate that changes usually based on an index.

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Feel free to contact us with any questions you may have regarding these loan products.

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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. Other limitations may apply and not all products are available in every state. Availability of programs is subject to change without notice. Please contact me for more information.

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