Your New Home Awaits!
Contact us to get the best offer from our mortgage loan officers. Get started by completing the form below.
WHAT PEOPLE ARE SAYING
After being pre-approved with another lender, I was told I would not qualify for a loan for the home I wanted. I went to [Home Access Financial] as a Hail Mary expecting the worst and hoping for the best.
What I got was an amazing lender who was able to provide me with options that my previous lender did not give me. I felt valued and empowered working with [Home Access Financial]. They got me to the closing table in less than 30 days and helped make my dreams come true.
- Sarah from Zillow
Conventional Loans
We are pleased to offer Conventional Home Loans in a variety of terms to suit a wide range of borrowers. Conventional Loans are loans that are not guaranteed or insured by government agencies such as the FHA or USDA but do adhere to Fannie Mae and/or Freddie Mac guidelines. We can provide eligible borrowers with both fixed and adjustable rate Conventional Mortgages in a variety of different terms.
What may be the most popular option in today's marketplace, the 30 Year Fixed Rate Mortgage continues to help borrowers obtain affordable interest rates that don't ever go up, along with the financial flexibility of lower monthly payments. By contrast, the 10 or 15 Year Fixed Rate Mortgages offer shorter repayment periods, which can help the borrower own their home sooner and build equity faster, but at the expense of higher monthly payments.
For more information, fill out our form and one of our knowledgeable mortgage loan officers will contact you to find out more about your scenario.
The Pro's of a Conventional Loan
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You only need a 3% down payment to get a conventional loan* (*conditions apply)
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Loan periods can be as short as 10 years or as long as 30 years.
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Conventional loans are available in unique programs like 30-year fixed, Adjustable Rate Mortgage (ARM), and more.
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Many flexible options are available, ask your Loan Officer what you may qualify for.
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Can be used to refinance a mortgage into a lower interest rate.
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May be a good option for borrowers with at least 3-20% to put down.
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ARMs may offer lower introductory rates for set periods of time.
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May have lower interest rates than non-conventional mortgages.
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Fixed interest rates will never increase.
With programs like HomeReady, Home Possible, and HomeOne, down payments start as low as 3% and gift funds may be used to help cover the down payment and closing costs.
What type of properties are eligible for conventional loans?
Condos, modular homes, second homes, investment properties, primary residences, planned unit developments, manufactured homes and 1-4 family residences are all eligible for conventional loans.
Conventional Loans Provide Flexibility
This type of mortgage loan has multiple variables, including loan terms, interest rates, and duration, allowing you to use your home as an investment to create financial freedom while enjoying the perks and stability of homeownership. This flexibility gives you as the borrower, more room to customize your home financing to precisely what you're looking for and allows for multiple home equity loans and refinancing on your property whenever you deem it necessary.
At Home Access Financial, we understand this is one of the most significant purchases you will ever make, and we are here to provide you the best possible outcome to help you get the home of your dreams at a price you can afford.