Conventional Loan Product
Conventional mortgages are your standard traditional mortgage. They are not insured or guaranteed by the government like FHA, VA, and USDA. Fixed rates and adjustable rates are available, however fixed rates are the norm in today's lending environment. With 20% down you will not have any monthly mortgage insurance and there are no funding fees like there are on government loans. However, with a down payment less than 20% you will incur monthly mortgage insurance premiums (you can put as little as 5% down). Interest rates vary quite a bit on conventional loans since they are not guaranteed by the government. Credit score and loan to values play a huge part in the rate you will receive. On the bright side in a perfect scenario you can earn the most competitive and lowest rate with this product.
To apply for a conventional loan or to see how it compares to a Government loan Apply Here!
3-17-2010
Today's Rates
| Conventional 30 Year Fixed |
5.125% | |
| 5.223% APR | ||
| 4.875% | ||
| 1 Point Paid | 5.055% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| Conventional 20 Year Fixed |
4.875% | |
| 5.006% APR | ||
| 4.750% | ||
| 1 Point Paid | 4.993% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| Conventional 15 Year Fixed |
4.375% | |
| 4.540% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.489% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| FHA 30 Year Fixed |
5.000% | |
| 5.240% APR | ||
| 4.750% | ||
| 1 Point Paid | 5.067% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| VA 30 Year Fixed |
5.000% | |
| 5.273% APR | ||
| 4.750% | ||
| 1 Point Paid | 5.101% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| USDA 30 Year Fixed |
5.250% | |
| 5.520% APR | ||
| 5.000% | ||
| 1 Point Paid | 5.349% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
Jessica did a great job. Very patient as we learned the process. Loved her comfortable, casual demeanor- and remained very professional. Will come back to Flat Branch Mortgage the next time around!
Anonymous
"Thank you so much for making all of this seem so easy and simple for me. I know you and your company put a lot of work into making me a first time homeowner. I truly appreciate your sincerity! Thank you so much for helping me in understanding the process of buying my home. There aren't enough words to explain the trust I feel in you. Thank you for everything!"
Wanda Asbury
"In a service based industry, simply providing good customer service doesn't seperate you from the masses. I am pleased to have worked with Shawn, whose timliness and knowledge allow him to provide superior service. His willingness to accomodate the individual needs of his clients has earned my respect and my referral!"
Chad and Courtney O'Gorman
"Eric Hemmer is an exceptional representative of Flat Branch Mortgage. He was very knowledeable and prepared, easy to communicate with, and made the entire process remarkably seamless. He was a very personable, well-mannered professional. I only wish I had gone to him sooner!"
Kendall Lewis
"Shawn Von Talge went above & beyond to help us refinance. We especially appreciate his accessibility & promptness in answering our phone calls. I would recommend Shawn & Flat Branch Mortgage to anyone who is looking for a mortgage broker that looks out for your best interests."
Seth & Andrea Paul
?I was in a situation where I needed to refinance my home so I could clear my ex-wife from the title. When I came to Scott to talk about my situation and my lack of knowledge with my VA benefits I couldn't have been more surprised. Scott sat down with me, explained absolutely everything I needed to know about my benefits, worked out the best possible situation for me, and took care of everything! I couldn't believe how easy it was and the amount of money I am saving. I truly believe Scott really cares about his customers and strives to be the best at what he does. Thanks again!?
Ben Riley - Retired Navy Columbia, MO
"Shawn is AWESOME! He took the time to answer all my questions my fiance' and I had as first time home buyers. He found the best loan for us--USDA loan. He also was good about following up with us and our realtor. We will use Flat Branch and Shawn again in the future!"
Jill Pierard and Ryan Olson
"I would recommend Flat Branch Home Loans and Shawn Von Talge to anyone. Great service!"
Phoebe Gibbs
Jessica Robertson was absolutely amazing from beginning to end. Thank you so much for everything!
Valerie Partch
Jessica was a professional every step of the process. She communicated with us in a timely manner and guided us every step of the way. We received great client services.
Ken & Joanne Tedesco
