Conventional Loans

If you are applying for a mortgage, here is what you need to know about conventional loans:

  • A conventional loan offers buyers the ability to avoid or cancel mortgage insurance upfront or during the life of the loan.
  • Monthly Mortgage Insurance (MMI) is usually less than an FHA loan
  • Options to pay a one-time “Single-Premium” Mortgage Insurance to eliminate Monthly Mortgage Insurance when giving less than 20% down payment.
  • No Mortgage Insurance (monthly or premium) with a 20% or greater down payment.
  • Allows for a seller concession of up to 3% of the sales price for buyer’s closing costs if the down payment is less than 10%
  • Conventional loans typically require higher down payments but they usually have lower interest rates.
  • Conventional loans may be processed faster because there is usually less paperwork than government-backed loans.
  • Down payment assistance programs available for qualified buyers.

Conventional loans are available as fixed rate or adjustable rate mortgages.

Call ZABE Mortgage or apply online to find out if a conventional loan is right for you.

Loan Options

We offer a number of loan programs that may be right for you. Count on your ZABE Mortgage loan professional to help you select the best one.


Conventional loans are available as fixed-rate or adjustable-rate mortgages. Find out if a Conventional loan is right for you.
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Get started with an FHA loan and finance your home with down payments as low as 3.5%.
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If you're active military, veteran, or eligible surviving spouses, start your quote for a VA Home Loan today!
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The USDA Guaranteed Loan Program provides one of the most affordable loan programs to Americans today. See if you qualify for 100% financing and no money down.
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Jumbo Loans

In the market for a higher-priced luxury home? We can help you dream big with a Jumbo Home Loan.
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Down Payment Assistance

We can help you discover the available programs and provide you with the understanding of how down payment assistance programs may benefit you.
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Home Equity Loan (HELOAN)

A HELOAN, a second mortgage, uses home equity as collateral for a lump sum loan with fixed interest, requiring monthly payments.
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Home Equity Line of Credit (HELOC)

A HELOC, a second mortgage, offers a flexible credit line using home equity for expenses. It has draw and repayment phases with variable interest rates.
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Are You Really Ready To Get Started?

Here is a video to help you answer this question. If at the end of this video you feel like you have answered “Yes” to all of the questions, fill out the form below or give us a call today at (559) 664-1930.

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