Traditional Home Financing with Conventional Loans
Flexible, traditional mortgage solutions with competitive rates and versatile options for purchasing your primary residence, second home, or investment property.
Named us "The Best All-In-One Lender for Refinancing."
What is a Conventional Loan?
A Conventional Loan is a traditional mortgage that is not insured or guaranteed by the federal government. These loans typically require higher credit scores and larger down payments than government-backed loans, making them ideal for borrowers with stable income and good credit.
Conventional Loans are versatile and can be used for purchasing a primary residence, second home, or investment property. They often come with fewer restrictions and more flexibility compared to government-backed loans.
Eligibility Requirements
(Higher scores qualify for better rates)
(Higher down payments receive better rates)
(Documentation required)
(Typically around 43%)
Required for down payments less than 20%
Lender-specific appraisal requirements
Why is Buying With Us Different?
At Nationwide Home Loans, Inc., we understand that the ultimate goal is finding a home you love with a payment and down payment that fit your budget. That's why we are dedicated to ensuring you have access to a wide range of financing options and expert guidance tailored to your needs.
We believe in empowering our clients with knowledge, which is why we take the time to review all available options with you. Whether your dream home isn't available yet or you're considering renovation, we're here to explore creative solutions. We discuss important aspects such as down payments, debt positioning, and financing for construction and renovations, so you're not limited but rather liberated by your financing choices. Our goal is to help you understand how your purchase will impact your financial future and to make the best decisions for a secure and prosperous outcome.
One Stop Shopping
We coordinate with your real estate agent, financial advisor, and insurance agent to ensure all aspects of your financial strategy are aligned. If you have existing partners, we're happy to work with them to support your current strategy.
Loan Programs
From Conventional and FHA to USDA and VA loans, we provide a range of financing options. Each program has its own benefits and requirements, and we're here to help you navigate them to find the best fit for your situation.
Personalized Service
Our loan officers are available when you need them, including weekends, and we pride ourselves on high employee satisfaction. This means your file stays with one loan officer throughout the process. We also conduct thorough pre-qualifications to ensure your pre-approval is reliable, giving your offers a competitive edge.
At Nationwide Home Loans, our commitment is to support you from start to finish, making sure you feel informed and confident throughout your home buying journey.
Not sure which type of loan is right for you?
Let's discuss your financing options and find the perfect solution for your home purchase.
Click to Call David Ruch!(805) 235-8575 • NMLS # 331347
"42 Years of Lending Experience!"
Loan terms and credit approval may vary depending upon loan amount. In determining your actual loan amount, we will consider your ability to repay by looking at your income, debts, credit history, and other financial obligations. Nationwide Home Loans, Inc. is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
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