CONVENTIONAL MORTGAGE:

PURCHASE OR REFINANCE

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Explore Your Lending Options

If you are in the process of shopping around for a mortgage, consider a conventional home loan. These mortgages come with a wide range of flexibility. As one of the most common mortgage types on the market, there are many different types of conventional mortgages to choose from. As you explore your options, the best thing you can do is find a trusted team like ours to walk by your side. We will be happy to help you find the right conventional mortgage to meet your specific needs. Reach out today to learn more about your lending options.

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Enjoy The Many Benefits Of A Conventional Mortgage:

  • Down payment options as low as 3%
  • Credit Scores as low as 620
  • Loan Amounts up to $510,400

Is A Conventional Loan Right For You?

Conventional home loans can be the most appealing variety for those who qualify because they tend to offer great interest rates and loan terms. However, conventional home loans are a bit less flexible on the benefits they provide for unique housing circumstances. If, for example, you are planning to buy a home in a rural area, a USDA home loan may be a better option. Or, if you plan on doing major renovations, a construction loan might be a better option. However, if you have good credit, a good debt to income ratio, stable income, and a decent down payment, a conventional loan may provide you with a great interest rate and term — providing you with the lowest monthly payment possible. Depending on your financial situation, conventional home loans generally provide faster processing as well.

A conventional home loan may be the best option for you, or it may not. The best way to find the right mortgage type for your specific needs and financial situation is to work with a mortgage lender. We work with multiple different mortgage financing lenders so we can explore a range of different options and find you a great rate and terms based on your needs. Contact the Patriot Home Mortgage team to learn more about conventional home loans and see whether this is the best option for you.

IS A CONVENTIONAL
LOAN RIGHT FOR YOU?

Conventional home loans can be the most appealing variety for those who qualify because they tend to offer great interest rates and loan terms. However, conventional home loans are a bit less flexible on the benefits they provide for unique housing circumstances. If, for example, you are planning to buy a home in a rural area, a USDA home loan may be a better option. Or, if you plan on doing major renovations, a construction loan might be a better option. However, if you have good credit, a good debt to income ratio, stable income, and a decent down payment, a conventional loan may provide you with a great interest rate and term — providing you with the lowest monthly payment possible. Depending on your financial situation, conventional home loans generally provide faster processing as well.

A conventional home loan may be the best option for you, or it may not. The best way to find the right mortgage type for your specific needs and financial situation is to work with a mortgage lender. We work with multiple different mortgage financing lenders so we can explore a range of different options and find you a great rate and terms based on your needs. Contact the Patriot Home Mortgage team to learn more about conventional home loans and see whether this is the best option for you.

CONVENTIONAL HOME LOAN BENEFITS

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Faster Loan Underwriting

Because the majority of mortgages are conventional loans, they can require less paperwork and be obtained more quickly than home loans that are government-backed, like VA loans or FHA loans. Mortgage lenders can also generally approve conventional home loans more quickly.

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More Options

Conventional mortgages come in a variety of types. For example, would you rather have a 10 year fixed mortgage than a 30-year mortgage? Does an adjustable 7-year mortgage sound good for you? If you’d like to customize your mortgage loan terms, than a conventional home loan may be right for you.

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Security

Conventional mortgages are usually fixed-rate, which means that you’re protected from fluctuations in the housing market and your payments remain the same from month to month. You know what you need to pay and you can fit your housing payments into your budget.

Patriot Home Mortgage - St. George & Mesquite

Our mortgage company has offices in both St. George, Utah and Mesquite, Nevada. Our motto is “Helping People Live Better,” and it’s what we strive to do each and every day. We know that when it comes to choosing a mortgage company you have a lot of options, and we offer free consultations to see if Patriot is the right fit for you. 

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