Conventional financing

Unlock Your Homeownership Dreams with Conventional Financing

At Robinson Mortgage, we understand that your dream of homeownership is a significant milestone in your life. We're here to help you achieve that dream with our trusted conventional financing solutions. Homeownership is not just a financial decision; it's a life-changing experience, and we want to make it as smooth and rewarding as possible.

Benefits of Conventional Financing

Choosing conventional financing through Robinson Mortgage offers a range of benefits:

Competitive Interest Rates: Conventional loans often come with competitive interest rates, which can result in lower monthly payments and substantial savings over the life of your loan.

Flexible Terms: We offer a variety of loan terms to fit your specific financial situation and goals. Whether you prefer a shorter term with higher monthly payments or a longer term for more flexibility, we can find a solution that works for you.

Expert Guidance: Our experienced team provides expert guidance throughout the financing process. We understand that securing a home loan can be complex, and we’re here to simplify it for you.

Understanding Conventional Financing

Conventional financing refers to home loans that are not guaranteed or insured by a government agency, such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). These loans conform to the guidelines set by government-sponsored entities like Fannie Mae and Freddie Mac. Conventional loans can be either fixed-rate or adjustable-rate mortgages (ARMs).

Qualifying for Conventional Loans

Qualifying for a conventional loan typically requires:

Good Credit: A solid credit history and a good credit score are usually essential for conventional loans. However, the exact score requirements may vary depending on the lender and other factors.

Stable Income: Lenders want to see a stable source of income to ensure that you can meet your monthly mortgage payments.

Down Payment: Conventional loans often require a down payment. The amount can vary, but we’ll work with you to find a down payment that fits your budget.

Fixed-Rate vs. Adjustable-Rate Mortgages

Conventional loans can be categorized as either fixed-rate or adjustable-rate mortgages:

Fixed-Rate Mortgages: With a fixed-rate mortgage, your interest rate remains constant throughout the life of the loan. This provides predictability and stability, making it easier to budget.

Adjustable-Rate Mortgages: Adjustable-rate mortgages typically offer a lower initial interest rate but can change periodically based on market conditions. They are a good option if you plan to stay in your home for a shorter period.

Down Payment and Closing Costs

While conventional loans generally require a down payment, the amount can vary depending on factors such as your credit score and the lender’s policies. We’ll help you understand the down payment requirements and plan for your closing costs, which typically include fees for appraisal, credit reports, and more.

Mortgage Rates and Terms

Mortgage rates and terms can vary based on factors like your creditworthiness, loan term, and market conditions. Robinson Mortgage specializes in finding competitive rates and terms that suit your specific needs, ensuring that your homeownership journey is cost-effective.

Client Success Stories

Don’t just take our word for it. Hear the stories of clients who achieved their dreams of homeownership through Robinson Mortgage’s conventional financing solutions. Their success stories are a testament to the support and guidance we provide to make homeownership a reality.

V Anderson - Desmond, the owner of Robinson Mortgage, is an individual who works very hard on your behalf.  Helping those who are in need of financing or refinancing their mortgages is definitely his Godly purpose.  He works with a team of great individuals who are there to help throughout the entire mortgage process.  

Matt DiCapua - Desmond brings decades of experience to the mortgage experience, which is why he is our referral partner. We trust our clients to his professional care because he is transparent, communicates clearly & has fantastic rates! Highly recommend!

Contact Information

Are you ready to take the first step toward your dream home? Contact us today to learn more about our conventional financing solutions. We’re here to answer your questions and guide you through the process.

Contact Robinson Mortgage 

Robinson Mortgage is your partner in making homeownership dreams come true. We offer conventional financing solutions with competitive rates, flexible terms, and expert guidance. Contact us today to get started on the path to securing your dream home and building a brighter future.