Conventional Loans

Our most popular loan option.

About Conventional Loans

Conventional mortgages are the most popular option for borrowers looking to purchase or refinance a home. Your client may choose between a fixed- and adjustable-rate mortgage with terms ranging from 10 to 30 years. Conventional mortgages are not insured or guaranteed by any government agency and may be sold to Fannie Mae or Freddie Mac.

If your client is looking to make budgeting a breeze, a fixed-rate Conventional loan with a consistent monthly payment might be perfect for them. On the other hand, be sure to tell them about adjustable-rate mortgages too. With an ARM, your client can have lower initial payments that adjust after the fifth, seventh, or tenth year and every two years after for the life of the loan.


Does your client qualify for a Conventional loan?

  • Put down as little as 3%1
  • Credit scores as low as 620 may be accepted
  • Fixed rates offer consistent monthly payments and simplify planning and budgeting
  • ARMs may have lower initial monthly payments than fixed-rate loans and adjust after the fixed term
  • Available for purchase, refinance, or cash-out refinance

But wait, there’s more!

We also offer these products:

  • Freddie Mac Enhanced Relief Refinance
  • Fannie Mae Student Loan Refinance

1Depending on specific loan characteristics.


Looking for a specific product not listed above? Call today to find out more about our loan products.

Looking for more information?

Fill out our form below and one of our account executives will contact you shortly.

*required field

*By submitting a request to be contacted, you authorize Cardinal Financial Company, Limited Partnership to deliver or cause to be delivered telephone calls or text messages using an automatic telephone dialing system, automated system, or an artificial or prerecorded voice, including calls or texts made for advertising purposes or that constitute telemarketing or solicitations, to the residential landline or wireless telephone number(s) or email address you have provided for purposes of fulfilling this inquiry about mortgage financing, even if call or text results in a charge by your provider. You also agree that this authorization is valid even if any of the number(s) listed above have been added to Cardinal Financial Company, Limited Partnership’s company specific do-not-call list, or to any state or federal do-not-call registry. Providing your consent to receive such calls from Cardinal Financial Company, Limited Partnership is not a condition of buying any goods or services from Cardinal Financial Company, Limited Partnership, and will not affect whether Cardinal Financial Company, Limited Partnership provides goods or services to you. Message and data rates may apply. SMS delivery frequency may vary depending on the campaign. For more information please read our Privacy Policy and our Terms and Conditions. If you do not wish to consent, you may contact a Loan Originator by calling 855.561.4944.