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!
3-11-2010
Today's Rates
| Conventional 30 Year Fixed |
5.000% | |
| 5.097% 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! | ||
"I just wanted to say thanks. There is no way I could have gotten this house without you. I have told all of my family and friends about your service and hard work. If I ever move I will definitely be calling you!"
Michael Crane
"You (Flat Branch Mortgage) are a very competent lender and trustworthy which is why you are successful."
Chuck Garriott (Garriott & Associates)
"Our refinance was very painless and easy. Although there were a few bumps in the road, Shawn went above and beyond to take care of everything as soon as he was made aware of the issue. Overall, we would gladly recommend Shawn Von Talge to others."
Dan Hoover & Kelly Gracie
"Shawn Von Talge was very helpful throughout this whole process. I trust him completely and would highly recommend doing business with him."
Don & Kerri Wilkerson
"It is clear that Shawn Von Talge is a professional! He took care of us in a timely manner. He was very friendly & concerned about making the process as easy as possible. We would be happy to recommend him to anyone wanting to buy property."
Don and Peg Smith
Eric was great to work with. He was extremely knowledgeable and he returned my calls promptly. Eric was able to present me with a variety of options for my loan package. He was able to easily and clearly explain any questions I had. I wouldn't hesitate to recommend him to a colleague or work with him on any future loans.
Dr. Deborah Fine
"This was my first house and therefore my first home loan. I had tons of questions and a lot of information to learn about and I not only had my questions answered, but Shawn took the time to explain all the details and each step to me. Each e-mail I sent him or phone call I made was returned within an hour or two. There were also some complications from my side when I went out of the country for 10 days prior to closing. Shawn took care of everything and we were able to put it all together. Finally, I got in a car accident driving to the closing and not only was everyone completely nice about it, they offered to pick me up and take me to the doctor."
Jennifer Simeck
Dear Mr. Batt,
I appreciate all the extra effort and time that you put into the loan for my clients. Your follow up with my clients was excellent, and you kept them apprised of everything that was happening with their loan. They felt like they were informed and knowledgeable every step of the process, and that truly made their home buying experience more enjoyable. As the realtor?, I appreciate so much that you treated my customers like family. They were able to have a much smoother transaction because of the care you took with them. I feel that you also gave me the necessary information to help my clients make the best home choice, and I would definitely recommend you to other home buyers. Thank you so much!
Kim Ellis - Century 21 Prestige, Fort Leonard Wood, MO
"Shawn Von Talge is a spectacular mortgage consultant. He always kept us informed with what was going on with our application. We tried working with another company and person we were working with was very difficult to contact, often requiring multiple phone calls or emails just to get one call back. Shawn was always very prompt in returning phone calls or emails. Shawn was always very upfront with us, always explained everything to us and always answered questions we had about the mortgage process. Every time we walked into Shawn's office we felt like his most important clients. There are very few businesses where I have had such great personal service as we had with Shawn and Flat Branch Home Loans. Thank you!!"
Wayne & Brittany Angle
"Shawn Von Talge is always very accessible, understanding and trustworthy. I know whenever we do business with him he will give us straight forward answers in a timely manner. We wouldn't trust anyone else!"
Rich & Jill Bohanan
