Conventional Loans

The most diverse set of mortgage products for a variety of homebuyer situations.

Question:

Question:

Do you have good credit and money for a down payment or home equity to put towards your home purchase or refinance?

Consider a Conventional Loan

With a Conventional Loan from Team 101 at Northpointe Bank, you’ll enjoy guaranteed low rates, our streamlined process, along with a loan custom-tailored to fit your needs. Conventional loans offer the most term options, low fixed interest rates, and higher loan amounts.

QUICK
FACTS

Minimum Credit Score:

620

Max Debt-to-Income:

50%

Max Loan Amount:

$1,149,825*

Available for:      Primary Residences          Second Homes          Investment Properties    

QUICK
FACTS

Minimum Credit Score:

620

Max Debt-to-Income:

50%

Max Loan Amount:

$1,149,825*

Available for:

  Primary Residences
  Second Homes
  Investment Properties

TYPES OF CONVENTIONAL LOANS

Conventional loans offers a variety of different fixed rate and adjustable-rate products for either purchase, refinance or construction. Drill down on the details and find the perfect Conventional Loan for your unique situation!

Term Options:

Conventional Cash-Out Refinance

Tap into your home’s equity, potentially lower your rate and/or change your conventional loan terms.

Conventional Rate & Term Refinance

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

Conventional Purchase Loan

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

One-Time Close Construction Loan

Construction-to-permanent financing combines the best features of both a construction and a permanent loan.

Home Possible®

The Home Possible® program offers outstanding flexibility for limited-income borrowers to buy a home with a low down payment.

HomeReady®

The HomeReady® program enables individuals with limited income to buy a home with a low down payment.

  • 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 $766,550 on a single-family home is considered a Conventional High Balance Home Loan and is subject to additional qualification guidelines.

CALCULATE YOUR CONVENTIONAL PAYMENT

Fancy yourself a mathematician? Check out our Conventional mortgage calculator. But don’t get too excited – consult with one of our mortgage experts to see if you qualify!

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Is a Conventional Loan Right for You?

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

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CALL US NOW           801.810.6503

– or –

CALL US NOW

   801.810.6503

Conventional Loans 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 493 customer reviews

Based on 493 customer reviews