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By definition, a Conventional Loan is any mortgage that is not guaranteed or insured by the federal government.  A conventional home loan is generally referring to a mortgage loan that follows the guidelines of 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 varies from county to county. The highest maximum Conventional Conforming right now is $729,750. The lowest maximum Conventional Mortgage amount available in any county is $417,000. To check loan limits in your county visit Loan Limits Lookup.


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