Conventional Financing

Conventional Financing is for Good/Excellent Borrowers who deserve the lowest prevailing rate. Most loan searches start with Fannie Mae or Freddie Mac Alternatives

  • Credit Scores should be 680 or better for each borrower
  • Fixed Rates and Adjustable Rate Mortgages available at rates as low as 3.75%
  • These programs generate the lowest payment for refinances and purchases
  • Mortgage insurance is required for 80%-90% financing on purchases or refinances
  • DU Refi Plus or Freddie Mac Relief allow for up to 105% financing without PMI for homeowners who previously secured Fannie Mae or freddie mac financing on their homes
  • I can price your loan with points or without. Typically you pay a point to buy your rate lower
  • Primary Residence, Second Homes or Investment Properties
  • Fannie Mae or Freddie Mac Loan Programs make for an easier process. Fha has more paperwork
  • Maximum 6% seller paid closing costs for purchase loans 80% and under
  • Maximum 3% seller paid closing costs for purchase loans 90% and under
  • No Prepayment Penalties

 


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