Conventional Loan Product
Conventional mortgages are your standard traditional mortgage. They are not insured or guaranteed by the government like FHA, VA, and USDA. Fixed rates and adjustable rates are available, however fixed rates are the norm in today's lending environment. With 20% down you will not have any monthly mortgage insurance and there are no funding fees like there are on government loans. However, with a down payment less than 20% you will incur monthly mortgage insurance premiums (you can put as little as 5% down). Interest rates vary quite a bit on conventional loans since they are not guaranteed by the government. Credit score and loan to values play a huge part in the rate you will receive. On the bright side in a perfect scenario you can earn the most competitive and lowest rate with this product.
To apply for a conventional loan or to see how it compares to a Government loan Apply Here!
9-9-2010
Today's Rates
| Conventional 30 Year Fixed |
4.500% | |
| 4.594% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.423% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| Conventional 20 Year Fixed |
4.375% | |
| 4.504% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.489% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| Conventional 15 Year Fixed |
4.000% | |
| 4.163% APR | ||
| 3.750% | ||
| 1 Point Paid | 3.913% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| FHA 30 Year Fixed |
4.500% | |
| 4.733% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.558% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| VA 30 Year Fixed |
4.500% | |
| 4.733% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.591% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| USDA 30 Year Fixed |
4.625% | |
| 4.885% APR | ||
| 4.375% | ||
| 1 Point Paid | 4.711% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
"Shawn, thank you again for all of your hard work. The process was as smooth as expected. Your efforts were definitely above and beyond any other loan officer/company I had worked with in the past. No doubt I will be recommending many people to you that are looking for your services."
Stephen Wilson
"Shawn Von Talge was very helpful throughout this whole process. I trust him completely and would highly recommend doing business with him."
Don & Kerri Wilkerson
"Shawn Von Talge did a great job! He worked hard to make sure we got the best possible financing and everything went smoothly during the entire process. Thanks Shawn!"
Stephanie and Rodney Ashworth
"Flat Branch Mortgage made the refinancing of my home a smooth and stress free process. They handled everything in a timely manner and communicated the details of the loan in a way that I was able to understand. I have been a repeat customer of Shawn's and will continue to do so for year's to come."
Joe Thompson
My experience with Eric was awesome! I had talked to previous lenders and none of them seemed as interested with the loan process getting done as Eric did. Anytime there was a question that my wife or I had, Eric answered it in a timely manner (within an hour of asking). I would definitely recommend Eric with Flat Branch Mortgage to any of my friends and family.
Allen & Bobbi Long
Dear Scott,
Thank you so much for making our home purchase possible! We're astounded that it was such a smooth process. We will recommend you to all our friends, neighbors, and especially veterans in Missouri who are planning to buy a new home.
You went the extra mile to help us with credit repair and education in order to get us the best interest rate available--something no one else has ever done! We're ready to pack!
Best regards!
Robert and Connie Summers - Disabled Army, Osage Beach, MO
"Thanks so much for everything! I really appreciate the hard work and keeping me up to date on all the little details. You made my personal home buying experience stress free!"
Amanda Lee
"It is clear that Shawn Von Talge is a professional! He took care of us in a timely manner. He was very friendly & concerned about making the process as easy as possible. We would be happy to recommend him to anyone wanting to buy property."
Don and Peg Smith
"Things (my home purchase) went very smooth. Thank you very much!"
Marcia Jones
"Everyone I encountered who was associated with Flat Branch Mortgage was kind and knowledgeable. I would recommend them to anyone refinancing or buying a home."
Nick & Tifafany Schwandt
