Conventional Home Loan Solutions
Flexible Financing for Your New Home
At Focus Mortgage Solutions, we understand that securing the right mortgage is one of the most important steps in the home-buying process. Whether you’re a first-time homebuyer eager to step into your dream home, a seasoned homeowner looking to upgrade or refinance, or an investor seeking profitable opportunities, our conventional home loan options are designed to meet your diverse needs.
We offer a broad range of mortgage solutions that cater to different financial situations, providing you with the flexibility and support needed to make informed decisions. With competitive rates, personalized service, and a commitment to helping you achieve your homeownership goals, Focus Mortgage Solutions is here to guide you through every step of the process. Trust us to be your partner in finding the perfect financing solution for your next home purchase or investment.
What Is a Conventional Home Loan?
A conventional home loan is a mortgage that isn’t backed or guaranteed by the federal government.
Unlike FHA or VA loans, private lenders provide these loans and follow guidelines set by Fannie Mae and Freddie Mac. Consequently, conventional loans can offer lower interest rates and more flexible terms.
Generally, you can finance up to 97% of the home’s value, depending on your credit profile and down payment.
Why Choose Conventional Home Loans?
Conventional home loans offer several advantages, especially for borrowers with strong credit and a down payment. Consider the benefits:
- Flexibility: These loans are available for various property types, including single-family homes, townhouses, and condos. They also apply to primary residences, secondary homes, and investment properties.
- Diverse Options: Choose from a range of loan terms and options to fit your financial situation. We provide solutions for new construction as well as refinancing, making it easier to find a fit for your needs.
- Competitive Rates: Enjoy competitive interest rates that can lower your monthly payments and reduce overall loan costs.
Types of Conventional Home Loans We Offer
Focus Mortgage Solutions provides numerous conventional home loan options:
First-Time Homebuyer Loans
Designed to help new buyers enter the market with favorable terms and low down payment options.
Primary Residence Loans
Ideal for financing your main home with competitive rates and flexible terms.
New Construction Loans
Finance the construction of your new home with options designed to meet your building needs.
Secondary and Investment Loans
Tailored to suit your investment goals for second homes or investment properties.
Refinance Options
Explore various refinancing opportunities to adjust your mortgage rate or terms to better suit your financial situation.
Why Focus Mortgage Solutions?
At Focus Mortgage Solutions, we prioritize your needs by offering top conventional home loan options. Our team is dedicated to understanding your financial goals and guiding you through the mortgage process. With our commitment to excellent service and tailored financing solutions, we support you every step of the way.