Conventional Home Mortgage Loans
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Conventional Home Mortgage Loans
A conventional mortgage is a home loan that meets the guidelines established by Fannie Mae and Freddie Mac, making up nearly half of all mortgages issued. These loans are not insured or guaranteed by the government, allowing for more flexibility in terms and conditions.
Types of Conventional Mortgages
Conventional loans come in two main types:
-Fixed-Rate Mortgages – These loans have a steady interest rate throughout the entire loan term, which typically ranges from 10 to 30 years, providing stability in monthly payments.
-Adjustable-Rate Mortgages (ARM) – These loans start with a low introductory interest rate for a set period before adjusting periodically based on a specific benchmark, such as LIBOR or T-Bill index.
Choosing between these options depends on your financial goals and long-term plans. Let’s explore the best mortgage solution for you!
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