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Loan Program

Conventional Home Loans

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Is a conventional loan right for you?

If you’re looking for a mortgage with low fees, a conventional home loan may be a good option for you. If you are eligible, there are a number of benefits.

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Benefits of a conventional loan

  • Save Money: With a down payment of 20% or more, you won’t need to pay for mortgage insurance.
  • Flexible Terms: Choose what mortgage term works best for you! Options include 30, 20, 15, and 10 year terms.
  • Low Down Payment Option: It’s possible to take out a conventional loan with a down payment of just 3%.

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Conventional loan eligibility requirements

  • A good credit score of 620 or higher
  • A down payment which can be as little as 3%
  • Consistent and documented income
  • A low debt-to-income ratio

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“

They made it an easy process in purchasing my home. Very organized and thorough. I closed on my new home exactly 30 days from my accepted offer. I would recommend this company to all my friends and relatives. They are a great company to have help you with the biggest most important purchase you will make.

Malissa Kanizar
“

Tom and his team were great through the whole process. They were always there night or day. I would definitely work with them again.

Don Feges
“

After having trouble getting approval to refinance my home, Tom and his team made it happen. I can't thank him/them enough for their friendly professionalism. Was a true pleasure to have HomeTown Lenders and the Faille Team complete this very necessary refinance, in a timely fashion.

Elaine Zenere
“

Tom and his team of experts are a great lender and helped me through the whole process along with educating me about the housing market as well. Him and his team were available most of the time whenever I was confused or had questions as well.

Muhammad Tabani
“

From start to finish Tom and his team were fantastic to work with. They always answered any questions I had returned my phone calls and explained everything going on. They were able to have me close on the home I purchased in 30 day’s which I asked him to do and he was a man of his word. I would highly recommend Tom and his team to everybody I do not have one complaint about them it was a great experience.

Jason
“

Tom and his team were amazing through the whole process all the way down to closing! They always got back to me quickly with answers to any questions I had which were a lot. I was super nervous and was working with limited time and they literally went above and beyond to help me and I can not Thank them enough! I highly recommend them to anyone starting the process to purchase their new home!

Kimberly Krick
“

Tom and his team were great through the entire process. They have an awesome app that helped us through the process as well. I highly recommend using Home Town Lenders for your home purchase!

Mark Goddard
“

Thomas Faille's team did a great job! They were professional, knowledgeable and always responsive. They were able to guide me and my family purchasing new home without stress.

Christian

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