Smart Financing
Conventional Mortgages Made Simple
Southern Trust Mortgage offers smart financing through conventional mortgages designed to fit today’s buyers. With flexible terms, competitive rates, and low down payment options, we make homeownership more accessible. Our experienced team guides you from application to closing, ensuring confidence and clarity at every step.
Save on upfront and long-term expenses compared to many government-backed loans.
Pick the loan term that fits your budget and timeline: 10, 15, 20, or 30 years.
Put as little as 3% down, or 20% to eliminate PMI and reduce monthly payments.
Strong credit can unlock lower rates and long-term savings.
what you need
Conventional mortgage qualifications focus on credit, income, and down payment strength, helping buyers secure flexible financing options with competitive rates and long-term savings.
To apply for a Conventional Loan you will need:
Opening Doors to Your Future
Guiding You to Homeownership
We provide expert guidance, resources, and tailored programs that simplify the mortgage process, helping every buyer move confidently toward successful homeownership.
Conventional loans are easier to obtain, and only available, for those borrowers with good credit scores and that have cash readily available for a down payment. If you are fortunate enough to meet the criteria, then you might be able to acquire a loan with a lower cost that can be processed faster than a government loan.
If you do decide to apply for a convention loan, make sure to shop around first. It’s always best to get a Loan Estimate (LE) before committing to any particular lender, as lenders often offer different rates, terms, and fees. With the additional research, you can be sure to get the best mortgage terms possible for your home loan!
Ready to Save?
Secure Your Conventional Loan Today
Conventional mortgages offer flexibility, lower long-term costs, and competitive rates. Southern Trust Mortgage is here to guide you every step, ensuring confidence from application to closing.
