Conventional Fixed Rate Mortgages

Resource Lenders offers a variety of conventional fixed rate home loan solutions throughout the State of California. Whether you’re looking to take advantage of lower monthly payments through a longer amortizing 30 or 20 year fixed rate mortgage, or are seeking a 15 or 10 year fixed rate product to pay off your loan quickly, we’ve got you covered. Our conventional home loan products are available for most types of residential properties including 1-4 unit stick built homes, condos, townhouse, and modular homes.

  • Call (800) 564-4342 or complete the quote form on this page to request information
  • 30, 20, 15 and 10 year fixed rate home loans are available

At Resource Lenders we offer some of the most competitive mortgage rates and closing costs in the industry. Plus, we have over 25 years of experience working with home buyers and homeowners throughout California. Give us a call today or complete the Quote Form on this page to receive a free, no obligation consultation on your next home purchase or mortgage refinance.

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  • Conventional Fixed Rate Loans Highlights

    • 30, 20, 15 and 10 yr amortizing fixed rate loans
    • For home purchases and refinances
    • Min. of 5% down typically required
    • Competitive rates and closing costs

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Conventional Fixed Rate Loan FAQs

Conventional conforming loans follow Fannie Mae and/or Freddie Mac guidelines. Hence, they “conform” the the underwriting rules set by the lender and/or agency.

Most conforming loans require a 5%-20% downpayment. At Resource Lenders, we offers a number of low and no money down mortgages for borrowers with less than 5% to put down such as VA, FHA, and USDA mortgages

Interest rates for conforming loans are often lower than they are for government backed products such as FHA, VA, and USDA rural housing loans, and non-conforming jumbo mortgages. However, this is not always the case. Be sure to speak with a licensed mortgage professional serving your State to determine which rate and product works best for your scenario.

The vast majority of borrowers in the United States have fixed rate mortgages. They are popular because borrowers feel a sense of security knowing that the principal and interest portion of their monthly mortgage payments will remain consistent throughout the lives of their loans. With an adjustable rate mortgage, the loan will begin to adjust up or down after the introductory period comes to an end according to the loan’s index, caps, margin, and rate.

At Resource Lenders we have over 25 years of experience assisting home buyers and homeowners throughout the State of California with their home financing needs. With today’s technology, it is very easy to share and sign documents online. We even have a web portal where you can Apply Online, track your loan, and upload documents in seconds.

If you are looking to purchase or refinance a home in our backyard in Fresno or Visalia, you can sit down face-to-face with one of our mortgage professionals.

Request a rate quote.