Conventional Loan

A popular home loan with great rates and money-saving options for those who qualify.

Call us 855-465-0753 

Key Features

Varying loan terms to accommodate your financial situation

Avoid mortgage insurance fees with qualifying down payment

An adjustable-rate loan with lower rates is available for shorter terms

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Get the home you want, from a conventional mortgage lender you can trust.

When you're ready to find your dream home, a conventional loan offers the flexibility and competitive rates to get you into your new home fast. Lock into a fixed-rate mortgage over the life of the loan, and with a qualifying down payment you can avoid mortgage insurance fees.

An adjustable-rate mortgage (ARM) has an interest rate that is fixed for a set number of years and then will go up or down based on the market. If you’re thinking of getting an ARM, consider how long you plan to stay in your home. If you plan to stay in your home for a long time, a fixed-rate, conventional loan may be better for you. But, if you plan to sell your home before the rate becomes variable, consider an ARM because initial rates are typically lower.

Conventional Loan Document Requirements:

  • Clear copy of your driver’s license, passport or state ID Card
  • Pay stubs covering the most recent 30 day pay period
  • Complete bank statements for the past two months, all pages
  • All W2’s for the last two years
  • The purchase agreement, all pages, and amendments (fully executed)
  • Copy of cleared earnest deposit check, both front and back, or a copy of your bank statement showing that the check has cleared, when available
  • Contact information of title company handling the settlement, if not in the contract
  • Contact Information of homeowner’s insurance agent/company using, when available
  • Complete all e-signatures on loan application documents online for all borrowers and submit
  • Print, date, and sign, in ink, the required printed pages from the loan application documents online
  • Amount of intended down payment
  • Find the most common answers to conventional loan questions.
  • Learn what you need to apply and get approved.
  • Database updated constantly
  • Get the most up-to-date rates available.
  • For purchase or refinance, all loan types.
  • 15-year and 30-year term options.
Cindy L.
My experience with NASB was exceptional. Everyone went above and beyond. They made the transition from applying for a loan to finalizing very easy and stress free.

Local banking. National lending.

99% of customers would recommend NASB

Based on 2,615 NASB closed loan customer surveys from 1/1/2018 to 5/28/2019

More than $18 billion in home loans in the last decade

Based on lender data

More than 67,000 home loan customers in the last decade

Based on lender data

Nationally competitive products. Individualized service.