Conventional Loans

Our most popular loan option.

About Conventional Loans

Conventional mortgages are the most popular option for borrowers looking to purchase or refinance a home. Your client may choose between a fixed- and adjustable-rate mortgage with terms ranging from 10 to 30 years. Conventional mortgages are not insured or guaranteed by any government agency and may be sold to Fannie Mae or Freddie Mac.

If your client is looking to make budgeting a breeze, a fixed-rate Conventional loan with a consistent monthly payment might be perfect for them. On the other hand, be sure to tell them about adjustable-rate mortgages too. With an ARM, your client can have lower initial payments that adjust after the fifth, seventh, or tenth year and every two years after for the life of the loan.

 

Does your client qualify for a Conventional loan?

  • Put down as little as 3%1
  • Credit scores as low as 620 may be accepted
  • Fixed rates offer consistent monthly payments and simplify planning and budgeting
  • ARMs may have lower initial monthly payments than fixed-rate loans and adjust after the fixed term
  • Available for purchase, refinance, or cash-out refinance

But wait, there’s more!

We also offer these products:

  • Freddie Mac Enhanced Relief Refinance
  • Fannie Mae Student Loan Refinance

1Depending on specific loan characteristics.

 

Looking for a specific product not listed above? Call today to find out more about our loan products.

Looking for more information?

Fill out our form below and one of our account executives will contact you shortly.

*required field

By clicking “Submit” below, you are providing your ESIGN signature and express written consent authorizing Cardinal Financial Company, Limited Partnership, its DBAs, and those calling on its behalf to deliver promotions/telemarketing messages, including outside the hours of 8am to 9pm local time, for products and services offered by Cardinal Financial Company, Limited Partnership, including loan products and other related services that may be of interest to you, through the use of an automatic telephone dialing system, AI generative voice, an artificial or prerecorded voice, to the residential landline or wireless telephone number(s) or email address you have provided above. You also agree that your consent remains valid even if any of the number(s) listed above have been added to Cardinal Financial Company, Limited Partnership’s do-not-call list, or to any state or federal do-not-call registry. You acknowledge your consent to receive calls/text from Cardinal Financial Company, Limited Partnership is not a condition of buying any goods or services from Cardinal Financial Company, Limited Partnership, and will not affect whether Cardinal Financial Company, Limited Partnership provides goods or services to you and if you do not wish to consent, you may contact a Loan Originator by calling 855.561.4944. Message and data rates may apply and message frequency varies. You also acknowledge and agree to our Terms and Conditions, which include a mandatory arbitration agreement and class action waiver.