Conventional Loans

Take Advantage of Low Interest Rates and More Flexibility with a Conventional Mortgage!

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Why choose a conventional loan?

Available in the following States:

Have questions if a Conventional loan is right for you?

What is a conventional Mortgage?

Conventional loans are home loans that are not issued or guaranteed by the government, or is not a part of a specific government program. Conventional loans are issued by private lenders, backed by Fannie Mae and Freddie Mac, the two entities which comprise the Federal Housing Finance Agency (FHFA).

These loans adhere to the guidelines set by Fannie Mae and Freddie Mac. They may have either fixed or adjustable rates. Conventional loans can be used for primary residences, second homes, and investment properties. Conventional loans have occupancy stats requirements, loan to value requirements, and credit score requirements.

More than half of all new mortgage loans are conventional loans. As of 2022, loan amounts $647,200 or lower are considered conforming. Some high-cost counties are higher (check with Kalab Stokes). Have questions?

*Loan terms and limits subject to change. This page is meant for educational purposes is not a commitment to lend. To qualify for a conventional mortgage loan, please speak to Kalab Stokes or apply online.

Want to chat about your options?

Message Kalab Stokes to get a free consultation to discuss which loan works best for you.

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