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Conventional Loans

Conventional loans are also known as “A Paper Loans”.

Is it true that you need a down payment of 20% to buy a house, even for a conventional loan?
NO, this is a falacy by the uneducated and the media.

The Minimum down Payment Required on Conventional Loans is  3% of the purchase price

We offer Home Path Loans.

If a conventional refinance loan, it is 97% LTV (Loan to Value) of the Appraisal (if you’ve owned the property a minimum or 12 months).

If time on title is less than 12 months, then the LTV is based on the original purchase price.

If a cash out refinance loan, the LTV is 80% of the Appraised value, subject to having owned the property a minimum or 12 months.

The minimum requirement is: 620 Middle Fico score; to get the best interest rates on conventional mortgage loan, you need a Middle Fico Score of 740 or higher (This gets the best interest rates).

Our pricing on conventional loans is better than going to a local bank or credit union.

Why?  We have special arrangements with national lenders that we produce volume loans and pass the savings on to our borrowers.

Conforming Loan Limits 

 

Our office is the conventional mortgage experts in Logan, Utah, Provo, Utah, St George, Utah, Salt Lake City, Utah, Ogden, Utah.
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If you are buying a home and need a conventional mortgage home loan in Utah, we are here to help you.
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  • Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.

  • Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.

  • Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.


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    All loans subject to credit approval. Rates and fees subject to change. Mortgage financing brokered by Mortgage Miracles Happen, LLC. Equal Housing Lender.
    Mortgage Miracles Happen, LLC is a mortgage broker in Arizona, Colorado, Florida, Texas & Utah.
    NMLS: 1289680; Arizona: 0937981, AZ Address: 7137 E Rancho Vista Drive, STE B05, Scottsdale, AZ 85251;
    Colorado: Mortgage Miracles Happen, LLC; Florida License # MBR1900,
    UT: Mortgage Miracles Happen, UT license # 7380298 Utah DRE,
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    Tel: 1-(801)-399-2364 | Texas Office Tel: 1-(281) 724-7423|

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