DBA For James B. Nutter & Company NMLS 2067

Conventional Loans

Whether you’re purchasing a home or refinancing your existing home loan, Conventional Loans are the most common type of mortgage among borrowers.

Conventional Loans are also known as “conforming mortgages” because they conform to guidelines established by large institutional investors - Fannie Mae and Freddie Mac, allowing mortgages to be more widely available.

Conventional Loans are home loans for up to $484,350 and in order to qualify for a Conventional Loan, you typically have to meet a down payment requirement (those amounts can vary), demonstrate that you have good but not perfect credit, that you’re employed, and that your monthly income is sufficient to meet your other monthly debt obligations such as car loans, student loans, and credit cards.

Types of Conventional Loans:

Fixed Rate Conventional Loans that are available with loan terms of either 10, 15, 20, or 30 years.

Adjustable Rate Conventional Loans are also available with interest rates that remain the same for 5, 7 or 10 years, and then adjust each year thereafter.

Learn more about the types of mortgage rates.

Sound a little complicated? Well, you’ve come to the right place.

For over 65 years, we’ve helped people save hundreds, or even thousands of dollars a month, when they purchase or refinance their mortgage with Nutter. Call 1-800-875-7334 or send us an email and one of our non-commissioned Loan Officers will answer all your questions.

Why you should choose Nutter for your Conventional Loan

  • We offer some of the most competitive rates in America, including No Closing Cost Loan options - saving you money now, and in the future.

  • We won’t charge you extra or inflated fees as some other lenders do.

  • For over 65 years our motto has been, “If it’s not good for the customer, it’s not good for us.” We pride ourselves on having the best customer service in the industry – even after you close. That’s right, we don’t sell your loan!

  • With our simple online loan process, you’ll be able to close quickly and efficiently.

  • As an approved Conventional Lender, we’ll make sure you understand all the details of what a Conventional Loan has to offer and get the best mortgage deal for you.

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