Conventional Loans
If you are planning to borrow $647,200.00 or less, you’ll likely want a conforming conventional loan. Since conventional loans are not made by a government entity but instead Fannie Mae and Freddie Mac, the established guidelines generally call for a minimum credit score, certain income requirements, and a minimum down payment of at least 3%.
Find the perfect home loan
Benefits of Conventional Loans
Different Loan Term Options*
*15, 20, or 30-year loan term options are available, or pick your own length of term.
Fixed & Adjustable Rate Options
Can Be Used to Finance Primary, Vacation, & Rental Properties
Getting Started is Simple
Meet with a Loan Officer
Click the “Get Started” button on the top right corner of this page and fill out the form. Once receive your form, a Loan Officer will review it before reaching out to gather more information about your specific situation.
Get Pre-Approval
You will provide us with some documentation and start your application. We will use that information to provide you with a formal pre-approval letter so you know how much home you qualify for.
Start Looking for Your Dream Home
Now you can get with your Realtor to find your dream home and put in a strong offer. We provide a variety of different programs to help your offer stand out.
Read the latest on Conventional Loans
How To Keep Your Personal Info Safe During the Mortgage Process
In 2022, more than 3 million North Carolina residents were victims of a data breach — and there were thousands of data breaches in the state. When your data is compromised, it puts you at [...]
How to Buy a House Together If You’re Not Married
Learn how to get a mortgage in Charlotte together when you’re not married. We cover credit, income, and other factors that affect mortgage approval. See the best options for unmarried couples in securing a mortgage and owning a home in Charlotte.
Everyone Who Is Involved in the Mortgage Process
Everyone Who Is Involved in the Mortgage Process When you buy or refinance a home, you’re going to meet a lot of new people. (Luckily for those of you shopping for home loans in Charlotte, [...]
