Conventional Loans
Trusted Financing for Stronger Homeownership
A Conventional Loan remains one of the most popular and reliable mortgage options available today. Backed by private lenders rather than government agencies, it offers flexibility, competitive interest rates, and a wide range of term lengths that make it ideal for financially stable borrowers. At David DeLaTorre Mortgage Services, we specialize in helping qualified clients secure conventional financing that matches their goals and lifestyle.
Conventional loans are often the go-to choice for borrowers with good credit, steady income, and the ability to make a reasonable down payment. With flexible options as low as 3% down for first-time buyers, they make homeownership accessible while maintaining long-term value and stability. Our team works closely with you to determine the best structure — whether you’re purchasing a primary residence, vacation home, or investment property.
One of the main advantages of conventional loans is the opportunity to eliminate private mortgage insurance (PMI) once you reach 20% equity in your home. This can lead to substantial savings over time and help you build wealth more efficiently. At David DeLaTorre Mortgage Services, we ensure you understand how to leverage this benefit to achieve greater financial freedom.
Conventional loans come in both fixed-rate and adjustable-rate formats, giving you control over your payment strategy. If you prefer the security of consistent monthly payments, a fixed-rate mortgage may be right for you. If you value short-term affordability and flexibility, a hybrid ARM option could offer additional savings. Our goal is to align the loan terms with your long-term plans.
We take a personalized approach to every client’s financial situation. Our team evaluates your income, credit, and goals to craft a loan package that fits your specific needs. Whether you’re upgrading to a larger home, downsizing, or purchasing your first property, we’ll guide you through every step — from pre-approval to closing.
At David DeLaTorre Mortgage Services, we prioritize transparency and education. We take time to explain all your options, interest rate dynamics, and potential savings, ensuring you make confident decisions. You’ll never feel rushed or confused — just supported by a dedicated mortgage professional who’s fully invested in your success.
For borrowers seeking to refinance, conventional loans also provide an excellent opportunity to reduce rates or shorten loan terms. Refinancing into a conventional structure can help you shed mortgage insurance or consolidate debt, creating a more efficient and manageable financial path forward.
Our deep understanding of the mortgage market allows us to secure competitive rates and terms that make a real difference. We combine cutting-edge technology with personal service, streamlining your loan process for speed, accuracy, and convenience. With us, you’ll experience the perfect balance of professionalism and care.
A Conventional Loan represents strength, stability, and opportunity — the pillars of smart homeownership. When you work with David DeLaTorre, you gain a trusted partner committed to helping you maximize your investment and achieve lasting financial success through a mortgage that truly fits your life.