Conventional Loans

Conventional loans are a highly popular and versatile mortgage option, providing flexibility and competitive terms for a diverse range of borrowers. At Intelligent Mortgage, we apply an intelligent approach to help you secure a conventional loan that seamlessly aligns with your financial goals, whether you’re embarking on your first home purchase or considering a refinance.

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"What Is Conventional Loans?"

Conventional loans are the most common type of mortgage and are not insured or guaranteed by a government agency (like FHA or VA loans). Instead, they are backed by private lenders, like Intelligent Mortgage, and are ideal for borrowers with good to excellent credit and a stable financial history.

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"Latest Conventional Loan Rates in US"

Conventional loans represent a flexible and widely chosen mortgage solution, ideal for a diverse range of homebuyers. These loans are not backed by the government, offering greater adaptability in terms, down payment options, and qualification criteria, making them a versatile choice for many looking to achieve homeownership.

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"Loan Benefits with
Intelligent Mortgage "

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Enjoy no down payment and low rates with flexible loan options.

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Financing available for loan amounts exceeding $1 million

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Custom financing solutions for high-value properties with flexible rate options

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No down payment required with loan financing.

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"Who Qualifies for a Conventional Loan?"

Choose a Conventional Loan with Intelligent Mortgage if you’re seeking:

  • Optimized Rates: Your strong credit profile can lead to our most competitive interest rates and terms.

  • Accessible Ownership: Benefit from flexible down payment options, including programs with as little as 3-5% down, while understanding the impact of PMI.

  • Payment Stability: Secure a loan with generally stable and attractive interest rates, allowing for predictable budgeting.

  • Broad Application: These versatile loans fit a wide array of property types and individual circumstances.

  • Clear Pathways: Navigate a well-defined process designed for efficient and straightforward home financing.

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Why Choose Intelligent Mortgage?

At Intelligent Mortgage, led by CEO Walt Herschede, we are profoundly honored to assist our nation’s active-duty service members, Veterans, and eligible surviving spouses in achieving their homeownership dreams. With deep respect and gratitude for your service, we specialize in guiding you through the unique and powerful benefits of VA loans.

We are known for

Understanding of loans underwriting criteria
Strong connections with specialized and private lenders
Prompt and attentive service from a highly rated team
Straightforward guidance with no high-pressure tactics
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"FAQs"

At Intelligent Mortgage, led by Walt Herschede, we distinguish ourselves through our commitment to intelligent solutions and personalized service. We don’t just process loans; we take the time to understand your unique financial situation and goals, then educate you on the best-fit options from our wide range of services. Our focus is on providing clear, transparent advice and ensuring a smooth, stress-free experience from application to closing.

Absolutely! We specialize in guiding first-time homebuyers through every step of the process. We understand that buying your first home can feel overwhelming, which is why we offer dedicated support, explain all the options clearly (including FHA Loans, State and Local Housing Programs, and other low-down payment solutions), and help you prepare for a successful homeownership journey.

We offer a comprehensive suite of loan products to meet diverse needs. Our options include:

  • Adjustable Rate Mortgages (ARMs)

  • Fixed Rate Mortgages

  • FHA Loans

  • VA Loans

  • Conventional Loans

  • Jumbo Loans

  • RHS Loan Programs

  • State and Local Housing Programs

  • Home Equity

  • Refinance options

  • Residential loans of all kinds, including Fix and Flips. We’ll help you understand the pros and cons of each to find the perfect fit.

Loans are a fantastic benefit for eligible veterans, active-duty service members, and certain surviving spouses. Eligibility typically depends on your service history, including length of service and discharge status. While the Department of Loans sets the core eligibility criteria, we can help you understand these requirements, determine your specific eligibility, and assist you in obtaining your Certificate of Eligibility (COE) – a crucial step in securing your loan.

With a Fixed Rate Mortgage, your interest rate remains the same for the entire life of the loan, resulting in predictable monthly principal and interest payments. This offers stability and makes budgeting easier. An Adjustable Rate Mortgage (ARM), on the other hand, starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), after which the rate can adjust periodically based on market indices. ARMs often start with lower interest rates than fixed-rate options, which can be appealing if you plan to move or refinance before the adjustable period begins. We can help you weigh the pros and cons of each based on your financial plans and risk tolerance.

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Join countless service members and veterans across the nation who trust us to guide them through the loan process every step of the way.