Conventional Loans

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

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Question:

Question:

Do you have good credit and at least 3% 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.

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FACTS

Minimum Credit Score:

620

Minimum Down Payment:

3%

Max Debt-to-Income:

45%

Max Loan Amount:

$726,525*

Available for:      Primary Residences          Second Homes          Investment Properties    

QUICK
FACTS

Minimum Credit Score:

620

Minimum Down Payment:

3%

Max Debt-to-Income:

45%

Max Loan Amount:

$726,525*

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!

Amortization Options:

Conventional Cash-Out Refinance

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

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Conventional Standard Refinance

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

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Conventional Purchase Loan

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

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One-Time Close Construction Loan

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

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Home Possible®

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

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Conventional 97% No MI

Buy a home with 3% down* conforming fixed-rate loan and no mortgage insurance.

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HomeReady®

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

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  • 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 $484,350 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!

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.

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 Loans are available in the following States: All States

Special Offers and Programs

Updated

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Why Choose ?

LOW RATES

We offer some of the lowest mortgage rates in the industry, along with truly innovative, tailored programs.

GREAT SERVICE

Our mission: client-focus. As your personal lender, we value listening and delivering on what is most important to you.

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Move into your new home sooner. Time saved plus low rates equals more savings for you.