Conventional Home Loans in Phoenix AZThe Most Common Home Loan, Shopped for the Lowest Rate
Conventional loans, most of them conforming loans that fit Fannie Mae and Freddie Mac limits, are the most common home loan in America for a reason. Lower rates than FHA in many cases, no upfront mortgage insurance, and flexible terms. I shop dozens of lenders to find you the lowest conventional rate for your credit and down payment.
- 10+ Years Experience
- 1000+ Families Helped
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
- License 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 at least 3 to 5 percent for a down payment. 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, 50-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.
Mark Fazio made getting a hard money loan for my investment property in Phoenix incredibly easy. He explained all of my options, kept me updated throughout the process, and got us to the closing table quickly. I highly recommend Mark and his team to any real estate investor looking for financing.
Mark was fantastic to work with throughout our home purchase in Oklahoma. He was responsive, knowledgeable, and helped us overcome every obstacle that came up during the process. He made everything smooth from start to finish, and we truly appreciated his communication and professionalism. Highly recommend.
Mark was recommended by my Mortgage Broker in California and he was great. Made the whole process easy. Glad he was recommended to me.
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 licensed Phoenix mortgage broker 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.