Conventional Loans

With Gurjeet Kaur Mortgage Professional, conventional loans provide flexible financing options for buyers who have strong credit profiles and want competitive terms without government-backed restrictions. As one of the most common mortgage types, conventional loans are ideal for borrowers seeking stability, straightforward requirements, and the ability to tailor their financing to meet specific goals. Whether you’re purchasing your first home or upgrading to your forever home, conventional financing can be a powerful choice.

Flexible Loan Options

Conventional loans come in a wide range of terms and structures, including both fixed-rate and adjustable-rate mortgages. This flexibility allows borrowers to choose a loan that aligns with their financial plans—whether that means predictable payments over the long term or lower initial payments with adjustable rates.

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Competitive Interest Rates

Because conventional loans are not government-backed, rates are determined by market conditions and borrower qualifications. With good credit and stable income, borrowers often receive highly competitive interest rates that keep monthly payments affordable and long-term costs manageable.

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Benefits of Conventional Loans

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Wide range of flexible financing and term options

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Highly competitive interest rates with strong credit

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No upfront mortgage insurance costs at closing

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Ability to remove PMI once equity is built

No Upfront Mortgage Insurance

One of the key advantages of conventional loans is that they do not require borrowers to pay an upfront mortgage insurance premium, unlike FHA loans. This means you save significantly at the time of closing, keeping more money in your pocket when it matters most. While private mortgage insurance (PMI) may apply if you put down less than 20%, it is not a permanent cost. Once you’ve built up enough equity in your home, you can request to remove PMI, or it may automatically drop off once the loan-to-value ratio reaches the required threshold.

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Why Choose Us

With Gurjeet Kaur Mortgage Professional, you get more than just a loan officer—you gain a trusted partner who puts your financial goals first. We combine expert guidance, personalized solutions, and a client-first approach to ensure your mortgage journey is smooth and stress-free. From the first conversation to the final closing, we are committed to delivering transparency, reliability, and exceptional service every step of the way.

We are known for

Personalized loan programs designed to fit your goals

Transparent mortgage guidance you can always trust

Competitive rates with flexible financing solutions

Dedicated support from application through closing

"FAQs"

Ideal for Strong Credit Borrowers

Conventional loans are best suited for borrowers with solid credit scores, steady income, and manageable debt. For these individuals, conventional financing often offers the most favorable terms, giving them greater control and financial freedom.