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Our easy-to-use financial tools can help you simplify your
decision-making process and make sound financial choices.
Mortgage
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Mortgage
Refinance
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Calculators
A conventional mortgage is a home loan that is not insured or guaranteed by the government, like an FHA or VA loan. Conventional loans are the most common kind of home mortgage loan. Conventional loans come in a variety of term lengths from 10 to 30 years and can have a fixed or an adjustable interest rate.
Our conventional loans offer:
With a fixed rate mortgage, your interest rate is locked in at closing, and will never change over the life of your loan. The benefits of a fixed-rate loan include:
A popular choice for all homebuyers, fixed-rate mortgages are especially beneficial for individuals who plan to stay in their home for the long-term.
Adjustable-Rate Mortgages, often shortened to ‘ARMs’, offer a fixed introductory interest rate, followed by a rate that changes based on the current market. ARMs provide:
ARMs can be useful financing tools to reduce interest costs and initial monthly payments, for homebuyers who plan to sell or refinance in a period of 10 years or less.
Your lender will guide you through the mortgage loan application process, providing details for all documents, items, and qualification requirements you’ll need to complete your conventional mortgage application. These include:
We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.
Cogent Bank’s NMLS# 402296
Our team makes the process simple and easy. Connect with a Loan Originator to learn more about our Conventional mortgage options.
