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Unlike a VA or USDA loan, a Conventional Home Loan is a mortgage that is not backed or insured by the United States federal government. Also known as a Conforming Loan, a Conventional Home Loan is a mortgage loan offered by a local bank and held by that bank until it is paid off or sold.

Conventional Home Loans tend to follow Fannie Mae and Freddie Mac guidelines. The guidelines and eligibility requirements of Conventional Loans can be more stringent than some of the government-backed, federal loan programs. Because each loan is different, it is important to contact the financial experts at Golden Oak Lending. Interest rates are at an all-time low, and our job is to get you the best possible loan solution at the best possible rates. Your Personal Loan Officer will go over the eligibility requirements and will be with you throughout the entire process. At Golden Oak Lending, our job is to save you money!

While Conventional Home Loans may have strict eligibility guidelines, they can be very beneficial for those who qualify. The Loan Experts at Golden Oak Lending will be with you step-by-step to help you understand the process and determine if you’re eligible. To learn more about Conventional Home Loans, contact Golden Oak Lending today.

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