Andres Garcia
Loan Officer
NMLS: 2246130
813-847-4199

Conventional Mortgage

Skip the Big Names, Opt for Big Savings!

Experience Superior Rates with Lightning Loans Conventional Mortgage.
620

Minimum Credit Score

45%

Maximum Debt To Income

97%

Maximum Loan To Value

$720k

Maximum Loan Amount

Pros of Conventional Mortgages

1

Low Interest Rates

Enjoy some of the lowest interest rates in the market.
2

Flexible Down Payment

As low as 3% down payment, making homeownership accessible to more people.
3

Lowest Closing Cost Option

Conventional loans often have the lowest closing costs compared to other loan types.

Cons of Conventional Mortgages

1

Higher Credit Score Requirements

Generally, you'll need a good credit score to qualify for a conventional loan.
2

Stringent Approval Process

The approval process can be more demanding compared to other loan types.

Key Issues That Will Get Early Attention

1
Check Credit Score
We'll review your credit score to ensure you qualify for a Conventional Mortgage.
2
Understand Loan Details
We'll explain all the details, including interest rates, down payment, and first-time home buyer programs.
3
Prepare Necessary Documentation
We'll guide you through gathering the necessary documents for a smooth application process.
4
Explore Your Options
Let's consider all your loan options to ensure a Conventional Mortgage is the best fit for you.
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