Conventional mortgages are the most popular option for borrowers looking to purchase or refinance a home. Borrowers may choose between fixed- and adjustable-rate mortgages with terms from 10 to 30 years. Conventional mortgages are not insured or guaranteed by any government agency and may be sold to Fannie Mae or Freddie Mac.
Many borrowers enjoy the consistent monthly payment that comes with a fixed-rate Conventional loan, as this tends to make budgeting easier. However, adjustable-rate mortgages (ARMs) may make the initial payment lower with the payment adjusting after the fifth, seventh, or tenth year and every two years after for the term of the loan.
*Depending on specific loan characteristics.
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