Conventional Home Loans in PhoenixThinking you need 20% down to buy a home?
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Licensed Mortgage Loan Originator•NMLS #1455718
When You Need Conventional Home Loans
A conventional loan is usually the best fit when your credit score is in good shape and you have a modest down payment saved. They're also a great choice for refinances if you want to drop mortgage insurance, lower your rate, or shorten your term. Conventional loans work for primary homes, second homes, and investment properties. If your credit is solid and you want a straightforward home loan with competitive pricing, conventional is usually the answer.
Our Conventional Home Loans Process
Here's how we get you a conventional loan. Call or text me with your basic info and we'll talk through your situation. I'll pull a soft credit check and quote you the lowest conventional rate I can find for your credit profile and down payment. Same-day pre-approval in most cases. Once you're under contract, my AI tools handle the documents fast. Most conventional loans close in 21 to 30 days.
Conventional Home Loans Cost in Phoenix
Conventional rates depend on your credit, down payment, and loan amount. Higher credit scores and larger down payments get you better rates. If you put less than 20 percent down, you'll have monthly mortgage insurance until you reach 20 percent equity. I shop dozens of lenders to find the lowest combined cost. You'll see every fee in writing before closing.
Why Choose Us
Conventional loans are the bread and butter of what I do. I've closed thousands across Phoenix and the Valley. Ten years in the business, 60-plus five-star reviews, and a reputation for low rates and on-time closings. Same-day response on every call and text. I'll always show you all your options, including non-conventional programs, so you can decide what's best.
Consolidated our loans into one and result was a lower monthly rate. Worked out great for us.
Mark was very professional and fully understood his products and my needs. I had several questions and his follow-up was great. I would recommend him and your company for financial needs.
I have worked with Mark Fazio for years I would highly recommend him to be your loan officer whether you are purchasing or refinancing your home. He is very quick to respond and make sure his clients are taken care of. He will make sure you feel like you picked the right person to work with for your loan. Thanks Mark for being so awesome to work with!
Ready to Get Started?
Ready for a conventional loan with a low rate? Call or text Mark at (480) 690-9790 for a free quote today.
For more loan programs, see all of our Mortgage Broker options in Phoenix.
Reviewed by
Mark Fazio, Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a Phoenix mortgage broker with Barrett Financial Group (NMLS #1455718) with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.