RichMond Real Estate

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Conventional Loans

Achieve Homeownership with Reliable and Flexible Conventional Loan Options

Trusted mortgage solutions with competitive rates and predictable payments.

Secure Your Dream Home with Flexible Conventional Loans Tailored to Your Needs

Conventional Loans are a reliable mortgage option for borrowers seeking flexibility, competitive rates, and predictable payments. Unlike government-backed loans, conventional loans are not insured, giving lenders and borrowers more freedom in terms and conditions. Suitable for first-time buyers, repeat homeowners, and those looking to refinance, these loans offer the stability needed to plan long-term finances. With options for fixed or adjustable interest rates, conventional loans provide a balanced and trusted path to homeownership while accommodating a variety of financial situations.
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Flexible and Reliable Conventional Loans for Your Home Buying Needs

Conventional Loans are traditional mortgage options not insured or guaranteed by the government, making them suitable for a wide range of borrowers. They offer competitive interest rates, flexible terms, and are ideal for first-time buyers or those looking to refinance. With predictable payments and the ability to choose fixed or adjustable rates, conventional loans provide stability, affordability, and long-term planning advantages for homeowners.

  • Check Your Credit Score Early
  • Save for a Down Payment
  • Compare Fixed vs. Adjustable Rates
  • Get Pre-Approved
  • Understand Loan Limits
  • Maintain Stable Income
  • Keep Debt-to-Income Ratio Low
  • Avoid Major Financial Changes Before Closing
  • Prepare All Necessary Documents
  • Consult a Mortgage Expert
Why Choose Duane

Your Trusted Partner in Home Financing

Expert Guidance

Duane provides professional advice and personalized support throughout your mortgage journey.

Competitive Rates

He ensures you get the best possible rates and flexible loan options to fit your budget.

Transparent Process

From application to closing, every step is clear, simple, and stress-free.

Dedicated Support

Duane is always available to answer questions, offer guidance, and make your homeownership dream a reality.

Flexible Mortgage Solutions

We offer a variety of loan programs tailored to your needs, ensuring a smooth and personalized path to homeownership.
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Common Questions

Frequently Ask Questions.

What types of loans do you offer?

We offer conventional, FHA, VA, USDA, construction, commercial, renovation, DSCR, foreign national, and fixed-rate mortgages.

Our experts review your financial goals and suggest the best loan program tailored to your needs.

It depends on the loan type; conventional loans typically require a higher score, while FHA loans are more flexible.

Yes, we provide pre-approval to help you understand your budget and strengthen your offer on a home.

Yes, we provide down payment assistance programs to make home buying easier for eligible clients.

How long does the mortgage process take?

Typically, the process takes 30–45 days from application to closing, depending on documentation and loan type.

No, we prioritize transparency; all fees and rates are disclosed upfront.

Absolutely! We specialize in helping first-time buyers with guidance and flexible loan options.

Yes, we provide refinancing solutions to reduce monthly payments or change loan terms.

You can start by contacting us for a free consultation, submitting your documents, and getting expert guidance.