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Standard Vault
Standard Vault
Every loan is more than numbers, it’s your story. We’re here to guide you with clarity, care & confidence.
Every loan is more than numbers, it’s your story.
We’re here to guide you with clarity, care & confidence.
Standard Vault Options
Conventional
FHA
VA
HELOC
VOE
Reverse
Simpler loans
Smoother Moves
Conventional Loans
Best for first-timers, experienced purchasers, and homeowners looking to refinance with competitive rates. Conventional loans are typically the most competitive rates for those who qualify. If you don’t know where to start, this is the place.
Intro to Conventional Loans
Whether you are buying your first home or your tenth, Loan Vault likes to make it simple and effective for you. Conventional loans are our most common loan, and as a result we make sure to always get the best prices and the best structures that fit your agenda. When you want to sleep easy in your new home knowing you got the best rate, you come to us.
Step Inside, We’ll Guide You
Confused about where to start?
Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.
Step Inside, We’ll Guide You
Confused about where to start?
Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.
A conventional loan is a traditional mortgage that meets Fannie Mae or Freddie Mac standards. It offers competitive rates, down payments as low as 3%, and straightforward qualifications, making it the most common choice for homebuyers.
These loans have:
• Competitive interest rates
• Standard and traditional qualifying metrics
• Standard financing structures
Is a Conventional Loan Right For You?
Requirements to keep in mind when considering a Conventional loan:
• Private mortgage insurance if less than 20% is put down
• Typically credit scores over 620
• Typically loans under $648,000 (Exceptions based on county and state)