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Conventional Mortgage Loan

Flexibility For Your Budget

A Conventional Mortgage is a great choice for those with good credit ratings and enough savings available for a down payment and closing costs.

Young couple relaxing on floor enjoying their new home.

What Is A Conventional Mortgage?

A Conventional Mortgage loan is issued by a private lender versus backed by the U.S. government. It requires good credit to qualify, and also allows more flexibility. 

Conventional Mortgage Loans Offer:

  • Financing up to 95% of the price (up to 97% of the price in conjunction with our Home Possible Program)

  • Quick processing and closing

  • Flexible rates and terms

  • Investment properties (secondary market 1-4 units)

  • Second homes

  • Seller can contribute up to 3% (up to 6% with 10% down, up to 9% with 25% or more down)

Mortgage Checklist

As you prepare to speak with one of our Mortgage Specialists, we recommend downloading our handy Mortgage checklist. This guide will help you gather and organize the paperwork you’ll need to start the mortgage process.

Download Our Checklist

Get Started

Every situation and home is unique. We look forward to working with you on your specific need for affordable home ownership. Get started with a mortgage loan or call 315-735-8571 to talk with our Mortgage Team about which solution is best for you.

Get Started

Looking For More Information?

Check out our Online Mortgage Center for helpful tips and if you’re ready, you can start the application process right here.

You’ll also find today’s mortgage rates, the ability to check the status of your loan, and answers to just about any question that you may have about mortgages.

Online Mortgage Center

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We look forward to helping you.