Conventional Rate & Term Refinance

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The most popular loan program for refinancing a home. Straightforward, smooth, and simple qualification.

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Question:

Question:

Do you have good credit and at least 5% equity in your home and you’re looking to refinance to change your rate and/or term?

CONSIDER A CONVENTIONAL RATE & TERM REFINANCE

If you have at least 5% equity in your home and qualified credit, Northpointe Bank’s Conventional Standard Refinance program is streamlined, quick and hassle-free. We do it better than the rest. Get in touch with us to move forward on the path towards better loan terms.

All loans are subject to credit review and approval. This is not a commitment to lend.

QUICK
FACTS

Minimum Credit Score:

620

Minimum Down Payment:

5%

Max Debt-to-Income:

45%

Max Loan Amount:

$970,800*

Available for:      Primary Residences          Second Homes          Investment Properties    

QUICK
FACTS

Minimum Credit Score:

620

Minimum Down Payment:

5%

Max Debt-to-Income:

45%

Max Loan Amount:

$970,800*

Available for:

  Primary Residences
  Second Homes
  Investment Properties

BENEFITS OF CONVENTIONAL REFINANCING

Review the following benefits of the Conventional Refinance program and see if it is the right fit for your homeownership goals.

Remove Private Mortgage Insurance

Only 5% Equity Needed to Apply

Get a Better Rate or Change Your Term

Amortization Options:

  • Conventional Loan Limits differ by county. The maximum loan amount indicated on this page is for designated high-cost counties. You can look up the loan limit for your county by following this link. Any Conventional loan amount exceeding $647,200 on a single-family home is considered a Conventional High Balance Home Loan and is subject to additional qualification guidelines.

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Is a Conventional Refinance Right for You?

Fill out this questionnaire to see if we can help you achieve your homeownership goals with a Conventional Standard Refinance.

Get Started

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CALL US NOW           801.810.6503       OR GET IN TOUCH ONLINE       
CONTACT US

– or –

CALL US NOW

   801.810.6503

GET IN TOUCH ONLINE

CONTACT US

Conventional Rate & Term Refinances are available in the following States: All States

Why Choose at Northpointe Bank?

The answer is clear:

More Options. Better Pricing. Period.

Join the many satisfied Utahns who’ve gotten their mortgage loan for their dream home through Team 101 at Northpointe Bank.

Rated 4.9 out of 5

Rated 4.9 out of 5

Based on 458 customer reviews

Based on 458 customer reviews