Conventional loans are an excellent option to those who qualify.

Flexibility in Loan Terms

We are able to help home buyers purchase a home utilizing Conventional financing with as low as a 3% down payment. One of the positive highlights of obtaining a conventional mortgage is the flexibility it offers in terms of loan duration. Borrowers can choose from various loan terms, such as 30-year or 15-year mortgages, allowing them to tailor the loan to their financial goals and capacity for monthly payments. This flexibility enables borrowers to select a repayment plan that aligns with their long-term financial strategy.

No Upfront Funding Fee

Unlike some government-backed loans, conventional mortgages typically do not require an upfront funding fee. This absence of a significant initial cost can be advantageous for borrowers who may prefer to allocate their financial resources toward the down payment, closing costs, or other homeownership-related expenses. It contributes to a more straightforward and transparent cost structure for those seeking a conventional mortgage.

Diverse Interest Rate Options

Conventional mortgages provide borrowers with a range of interest rate options. Borrowers can opt for a fixed-rate mortgage, where the interest rate remains constant throughout the loan term, providing stability and predictability in monthly payments and there are also adjustable rate mortgages (ARM) for those that plan on selling the home after a couple of years. All of our mortgages have no pre-payment penalty. You have the freedom to sell or refinance your home with no time restrictions.

Potential for Lower Mortgage Insurance Costs

While conventional mortgages may require private mortgage insurance (PMI) for borrowers who make a down payment less than 20%, there is potential for lower ongoing insurance costs compared to certain government-backed loans. As borrowers build equity in their homes, they may be eligible to cancel PMI once the loan-to-value ratio improves, leading to reduced monthly payments.

Fannie-Mae

Fannie Mae (FNMA) is a government-sponsored enterprise, which was created with the aim of securitizing mortgage loans in the form of mortgage-backed securities. It is headquartered in Washington, D.C.

The abbreviation (FNMA) is the common name of the Federal National Mortgage Association. The organization sponsored by the US government works on the secondary mortgage market. Congress created Fanne Mae during the Great Depression in 1938 due to a need for a reliable, steady source of funding for housing.

Freddie-Mac

Freddie Mac (FHLMC) was created by Congress in 1970 to  help ensure a reliable and affordable supply of mortgage funds across the US.  It works in the secondary market for mortgages and is headquartered in Tysons Corner, Virginia.

Freddie Mac, which is the colloquial name for the Federal Home Loan Mortgage Corporation (FHLMC), is a public government-sponsored enterprise created to support the housing finance system in the US. It buys loans from approved lenders and pools them into securities sold to investors in different corners of the globe.

US Trust Home Loans, Inc.

Realtors

We enjoy working and building a team with all Real Estate Agents.

We have a team mindset. The goal is to get our buyers to the finish line in record time with no hiccups or surprises. We have the confidence and know-how because we have built a strong team to get you there.

Experience

Our experience is crucial in ensuring a seamless and informed homebuying journey. You greatly benefit from our experience and knowledge.

Connections

We have direct connections to FHA and Conventional approval underwriting systems. This access gives us an advantage and puts you ahead of the rest.

Relationships

Our emphasis on building strong relationships is vital in providing personalized and tailored mortgage solutions. Our local connections are strong.

Trusted by some of America’s top Real Estate Agencies:

Mortgage Solutions for Home Buyers.

US Trust Home Loans stands out as the premier mortgage company, excelling in our ability to tailor solutions for homebuyers by seamlessly placing them into diverse and customized mortgage programs.

Diverse Program Options

US Trust Home Loans offers a wide range of mortgage programs.

Expert Guidance

Benefit from expert guidance throughout the mortgage process.

Competitive Rates

We will help you secure the lowest mortgage rate available.

Streamlined Process

Experience an efficient and streamlined mortgage process.

US Trust Home Loans has been a savior for my buyers.

The team at US Trust Home Loans has repeatedly proven to me and my office that they can get the job done. Period.

Ricardo Figueroa

Real Estate Agent

I can always count on US Trust Home Loans.

From beginning to end, I know I can always reach someone at US Trust Home Loans and get constant updates on my buyers status. The ability to always speak to someone is so refreshing.

Amy Schadler

Real Estate Agent

See how we compare.

Experience for yourself how US Trust Home Loans compares to other lenders. Actually, there is no comparison.

  • Extensive loan program portfolio.

  • Lowest interest rates.

  • Experienced mortgage professionals.

  • Efficient application process.

  • Customer-Centric approach.

  • Flexible repayment options.

  • Transparent and fair practices.

  • Quick and reliable closing process.

  • Unparalleled commitment to your success.

Other Mortgage Lenders and Brokers

  • Lack of program diversity.

  • Opaque fee structures and hidden fees.

  • Inexperienced personnel.

  • Tedious application process and overall disorganization.

  • Unresponsive customer service.

  • Unclear, hidden, and surprise terms and conditions.

  • Delayed closing process.

  • Limited flexibility in repayment options.

Want to see which loan program is best for you?

Complete our short application to find out more.

Get a personal consultation.

Office

275 Commercial Boulevard
Suite 202
Lauderdale by the Sea, Florida 33308

Contact

(954) 562-6710

Other loan programs available.

FHA

One of our most popular mortgage programs.

Read more

Hometown Heroes

Down payment and closing cost assistance.

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DSCR / Alternative Doc

No income documentation for investors.

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