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A Conventional Loan is a home loan is generally that insured and underwritten to either of the federal government GSE’s, and are underwritten to the guidelines of these government entities Fannie Mae and Freddie Mac.

Fixed rate loans are the standard loan type for the majority of home financing, and are available in a variety of terms from 10 to 30 years. This loan type offers a consistent or “fixed” payment throughout the life of the loan. Standard fixed rate terms: 10, 15, 20, 25 or 30 years. By choosing a shorter fixed rate option, you can realize a substantial savings in interest over the life of the loan.


Adjustable rate mortgages (arms) are a great fit for home buyers who plan to sell or refinance their home between 3 and 10 years or looking for the lowest possible mortgage rate available. Adjustable rate mortgages are fixed for periods of five to ten years. After that period, your interest rate will either go up, or down depending on market conditions and mortgage rates at that time.

California Conventional Loan Limits – The maximum loan amount allowed for a Conventional Conforming Loan is $424,100.  However, in high cost areas, there are Conventional Super Conforming Limits currently up to $729,750.  To check loan limits in your area, please give us a call and one of our licensed loan officers will be happy to assist you.


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