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 Group 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 Group loan professional to help you select the best one.

Conventional

Conventional loans are available as fixed-rate or adjustable-rate mortgages. Find out if a Conventional loan is right for you.
Learn More

FHA

Get started with an FHA loan and finance your home with down payments as low as 3.5%.
Learn More

VA

If you're active military, veteran, or eligible surviving spouses, start your quote for a VA Home Loan today!
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USDA

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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