Conventional Home Loan Solutions

A conventional loan is a mortgage serviced and originated by private lenders like ProVisor, and is not backed by any government agency. There are two types of conventional loans:

• Conforming Conventional Loans: These loans adhere to strict guidelines set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). You’ll need to meet specific lending criteria to qualify.

• Non-Conforming Conventional Loans: These loans offer more flexibility, with some lenders allowing adjustments to loan terms based on your unique financial situation.

At ProVisor, we offer both fixed-rate and adjustable-rate conventional loans, giving you options to choose the best fit for your needs.

Read below to discover which rate is right for you!

Fixed Rate Loans — Stability You Can Count On

Planning to stay in your home for the long haul? Prefer the peace of mind that comes with consistent monthly payments?

A fixed-rate mortgage might be the perfect fit.

With a fixed-rate loan, your interest rate is locked in from the start, meaning your monthly payment won’t change — no surprises, no fluctuations. It's a great option for homeowners who value long-term stability.

You can also refinance up to 97% of your home’s current value (when borrowing under $417,000), making it a smart solution for those looking to maximize their equity. Plus, enjoy the flexibility of no pre-payment penalties — pay off your loan early, on your terms.

Contact ProVisor today to learn more and start your application.

Adjustable Rate Mortgages — Flexibility for Your Future

Planning to move or refinance within the next 5-10 years? Want to take advantage of the lowest interest rates available while keeping your payments as low as possible?

An adjustable-rate mortgage (ARM) could be the ideal choice. With a fixed rate for the first 5, 7, or 10 years, you'll benefit from lower initial payments. After the fixed term, your rate may adjust — up or down — based on the prevailing market rate, with a limit of a 2% increase per year and a cap of 5% above your initial rate.

A 10% down payment is required for an adjustable-rate conventional loan.

Contact ProVisor today to learn more and apply for an adjustable-rate mortgage that fits your needs.

Unsure Which Rate is Right for You?

Choosing the right rate can be overwhelming, but you don’t have to do it alone. Our experienced loan officers at ProVisor are here to guide you through the process.

We’ll take a close look at your financial situation and help you determine the loan that’s the best fit for you — one that supports your goals and ensures peace of mind. We want you to feel confident and comfortable with your decision.

Schedule an appointment with us today to discuss your options and make a plan for the future. Applying for a loan is a major step, and with ProVisor by your side, you’ll receive expert advice to help you make the right choice.

Contact us today to learn more about Conventional Loans and how they can benefit you.