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Conventional Home Loans

Conventional home loan

Flexible conventional options for buying or refinancing

Explore options for a home purchase, a lower rate, or reduced monthly mortgage insurance.

Conventional loans are designed for borrowers who want to put 5% or more down on a home or refinance to lower monthly mortgage insurance. These loans are not guaranteed or insured by government agencies and follow Fannie Mae guidelines.

Conventional purchase

Purchase options

  • Credit scores as low as 620
  • Faster closings
  • Lower rates than most banks and credit unions
  • Great for first-time home buyers
  • No monthly mortgage insurance options

Conventional refinance

Refinance options

  • Credit scores as low as 620
  • Lower your payment with a lower rate
  • Cash-out up to 80% LTV
  • Consolidate debt into one easy payment
  • No monthly mortgage insurance at 80% LTV

Why work with a mortgage broker?

Work with someone who works on your behalf

Village Mortgage is home to more than what big banks offer. Access to hundreds of programs, the opportunity to get a lower interest rate, and a broker who works for you are three ways a mortgage broker can help save you money.

Start your home loan journey

Get pre-qualified today

Begin the secure Village Mortgage questionnaire when you’re ready.

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