Conventional Home Mortgage Loans

Conventional Home Mortgage Loans

A conventional mortgage is a home loan that meets the lending guidelines established by Fannie Mae and Freddie Mac.

These loans are one of the most common types of residential mortgage financing in the United States and are widely used for home purchases and refinancing.

Conventional mortgage loans are typically offered through private lenders and may vary based on credit profile, income, down payment, and overall borrower qualifications.

Types of Conventional Mortgages

Conventional loans generally fall into two main categories:

Fixed-Rate Mortgages
Fixed-rate mortgages maintain a consistent interest rate for the entire loan term, commonly ranging from 10 to 30 years. This provides stable and predictable monthly payments.

Adjustable-Rate Mortgages (ARMs)
Adjustable-rate mortgages typically offer a fixed introductory interest rate for a set period, followed by periodic adjustments based on market conditions and lender terms.

Auntie Mortgage Group works with lending partners to help clients explore conventional mortgage options and determine which loan structure may align with their financial goals and long-term plans.

Contact Auntie Mortgage Group to discuss conventional mortgage financing options and explore programs available through our lending partner network.