Conventional Loans 2019-06-12T20:13:47+00:00

Conventional Loans

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Conventional Home Loan Benefits

Conventional loans are one of the most popular home loan options for home buyers, particularly for first-time home buyers. A conventional mortgage offers a number of advantages that are ideal for first-time home buyers and others with similar financial goals.

Some of the many benefits of conventional loans include:

  • A fixed interest rate so you can count on the stability of your monthly mortgage payment
  • Programs with competitive interest rates
  • Terms allowing you to choose what will work best for your budget

In some situations, some conventional home loans may not require private mortgage insurance (PMI), depending on your credit score and the loan program. Without private mortgage insurance, AZ home buyers may be able to make a smaller down payment and or enjoy a lower monthly mortgage payment.


Read what our customers have to say about us.

The phone calls and e-mail communication and never hesitating to explain things and working with us even when there were problems. And yes we had problems but it never felt like there were.Top-Rated Mortgage Team in Mesa, Arizona
Phoenix, AZ
Between you, Julie and Shelley you guys kept me in the loop at all times. Very active process, I pretty much got everything done with in 30 days start to finish. Shelly would tell me what was needed and between the two of us we got it done.Top-Rated Mortgage Team in Mesa, Arizona
Glendale, AZ
Fast and friendly service.Top-Rated Mortgage Team in Mesa, Arizona
Mesa, AZ
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Qualify for a Conventional Home Loan in Arizona

You typically have to meet minimum income and credit requirements to qualify for a conventional loan, so you should talk to one of our mortgage brokers about your options. Adjustable-rate mortgages may also be available under a conventional loan program, which gives you the option of payment a lower amount to start out.

At KHoward Mortgage Team, our team of experienced home loan experts and AZ manufactured home mortgage lenders work alongside you and educate and inform you about your mortgage options. With over two decades of experience helping home buyers in the East Valley, our Mesa mortgage brokers can help you find the mortgage that best suits the needs and financial goals of you and your family.

Contact KHoward Mortgage Team today to get started. Our team will get you pre-qualified for a home loan so you can start your home search off right with the buying power you need to make an offer. One of our experienced mortgage brokers would be happy to help you explore your conventional loan options to find the program that will best meet your needs. Call us today at 480-442-8834 to speak to a mortgage expert.


Mortgage Payments & Affordability

Purchase price
Please enter here the amount you expect to pay for a home.
Enter a value
Down payment
Down payment is cash that you pay upfront for your home.
Enter a value
Term in years
Number of years you have to pay.
Enter a value
Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
Enter a value
Property tax
Enter your property tax here if you know it.
per year
Enter a value
Home insurance
Most lenders require home insurance. Enter its price here.
per year
Enter a value
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
Enter a value

Your total monthly payment


Principal & Interest: $
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KHoward Mortgage Team has been working with great agents and clients since 1997.

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