Clint Philip

Mortgage Broker

NMLS 1984305

Empowering Your Path to Home Ownership

Real lending. Real people. Real results.

Call: 443-804-2213

Find the Right Loan for You

Every buyer's path is different. Explore common loan types below then start a fast pre-approval with our team.

Conventional Loans

Conventional mortgage loans offer flexible terms, lower long-term costs, and competitive interest rates for borrowers with good credit. These mortgages are issued by private lenders and are not backed by the government, giving them fewer restrictions compared to FHA or VA loans.

Lower costs and competitive rates:

Cancelable mortgage insurance: If you put less than 20% down, conventional loans require private mortgage insurance (PMI). However, once you build 20% equity in your home, you can request to have this insurance canceled, which will lower your monthly payment. This contrasts with most FHA loans, where mortgage insurance premiums typically last for the life of the loan.

Better interest rates for good credit: Borrowers with high credit scores and low debt-to-income ratios can often qualify for competitive interest rates, which lowers the total cost of the loan over time.

Fewer upfront fees: Unlike government-backed loans, conventional loans generally do not have upfront funding fees, which makes them more economical.

Flexibility and options:

Variety of property types: A conventional loan can be used for a primary residence, a second home, a vacation home, or an investment property. Government-backed loans typically have stricter rules and must be used for a primary residence.

Flexible loan terms: You can choose from various repayment terms, including 15- and 30-year fixed-rate mortgages, as well as adjustable-rate mortgages (ARMs).

Higher loan limits: Conventional loans offer higher borrowing limits than most government-backed options, with jumbo loans available for financing high-value properties.

No prepayment penalties: Many conventional loans do not include penalties for paying off your mortgage early, which is helpful if you want to become debt-free faster.

Easier and faster process:

Faster closing times: The processing for conventional loans can be more streamlined because it doesn't involve the additional paperwork and requirements of government-backed loans. This can lead to a quicker and easier closing process.

Potentially more attractive to sellers: In a competitive real estate market, some sellers may prefer conventional offers because they are perceived as less likely to have delays related to extensive government-mandated inspections.

Conventional Loans

Lower costs and competitive rates:

Fewer upfront fees: Unlike government-backed loans, conventional loans generally do not have upfront funding fees, which makes them more economical.

Flexibility and options:

Flexible loan terms: You can choose from various repayment terms, including 15- and 30-year fixed-rate mortgages, as well as adjustable-rate mortgages (ARMs).

Higher loan limits: Conventional loans offer higher borrowing limits than most government-backed options, with jumbo loans available for financing high-value properties.

No prepayment penalties: Many conventional loans do not include penalties for paying off your mortgage early, which is helpful if you want to become debt-free faster.

Easier and faster process:

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What Home buyers Are Saying

Chrystal M L

Clint was very informative pleasant patient with me being a first time home buyer. He made himself available when I was overthinking and mking things complicate. His positive attitude and insight on all issues I had made my experience great and easy thru the process

Adam C M

Clint was very transparent. He had alot of knowledge when it came to the market and what would happen if we didn't lock in that day. He explained everything very well and made the process easy for me and my wife. Thanks Clint!!!

Tyler B

Clint and his team are awesome. I have purchased a few homes in the last 20+ years and this one is by far the absolute best! If you're interested in purchasing a home, you can not and will not go wrong if you use Clint and his team

Kevin G

Clint and his team are the best. Although couldn't get approved immediately for a loan, he was willing to work with us and implement a plan for the foreseeable future. I highly recommend him.

Melanie M

Clint was very friendly, he explained everything to be expected through the process but also made himself available when I had additional questions. He was quick to respond and worked effortlessly to make this happen. I am grateful for all of the hard work and dedication he put in. This was a dream come true for me!

Chrystal M L

Adam C M

Tyler B

Kevin G

Clint and his team are the best. Although couldn't get approved immediately for a loan, he was willing to work with us and implement a plan for the foreseeable future. I highly recommend him.

Melanie M

Chrystal M L

Adam C M

Tyler B

Kevin G

Clint and his team are the best. Although couldn't get approved immediately for a loan, he was willing to work with us and implement a plan for the foreseeable future. I highly recommend him.

Melanie M

Let's Talk About Your Home Goals

Have questions or ready to start? Book a quick call or send us a message our team is here to help.