YOUR PATH TO HOMEOWNERSHIP: FLEXIBLE AND AFFORDABLE CONVENTIONAL HOME LOANS
Conventional Mortgage Programs
Conventional mortgages are a popular choice for homebuyers looking for flexible financing options and competitive terms. Unlike government-backed loans, conventional mortgages are not insured by federal agencies, making them an ideal option for borrowers with stable income and good credit history. At OneTrust Home Loans, we offer a comprehensive range of conventional mortgage programs provided by Fannie Mae and Freddie Mac to suit various needs and preferences.
Our Conventional Mortgage Programs Include:
Fixed-Rate Mortgages: Enjoy the stability of consistent monthly payments with terms ranging from 10 to 30 years.
Adjustable-Rate Mortgages (ARMs): Benefit from lower initial interest rates with the flexibility to adjust periodically based on market conditions.
HomeReady® by Fannie Mae: Designed for low to moderate-income borrowers, offering reduced mortgage insurance requirements and flexible underwriting.
Home Possible® by Freddie Mac: Affordable financing for first-time homebuyers and low to moderate-income borrowers, featuring low down payment options and flexible terms.
Jumbo Loans: For high-value properties exceeding the conforming loan limits, providing competitive rates and terms for larger loan amounts.
Conforming Loans: Standard conventional loans that meet the guidelines set by Fannie Mae and Freddie Mac, typically with lower interest rates and favorable terms.
High Balance Loans: For properties in high-cost areas, these loans offer higher loan limits while maintaining conventional loan benefits.
Why Choose Conventional Mortgages?
Flexibility: Choose from a variety of loan terms and structures to best suit your financial situation and goals.
Competitive Rates: Benefit from competitive interest rates and potentially lower overall borrowing costs.
No Upfront Mortgage Insurance: Avoid the upfront mortgage insurance premiums required by some government-backed loans.
Loan Amounts: Access higher loan amounts compared to FHA and other government-backed loans.
Partner with Angie Anderson MLO at OneTrust Home Loans.
My team of experienced mortgage professionals are here to guide you through the conventional mortgage process, ensuring you find the right program to fit your needs. Whether you're a first-time homebuyer or looking to refinance, I am dedicated to helping you achieve your homeownership dreams with the best conventional mortgage options available.
Contact me today to learn more about my conventional mortgage programs and how I can assist you in securing the perfect loan for your new home.
