Conventional loans

At Graham Lending Expert, we believe that securing the right mortgage should be simple, stress-free, and tailored to your financial goals. Whether you’re purchasing your dream home or refinancing an existing loan, conventional loans offer some of the most competitive terms available in today’s market.

A conventional loan is a home loan not backed by the federal government but instead offered through private lenders and typically follows guidelines set by Fannie Mae and Freddie Mac.

With a conventional loan, you can: ✔ Buy a primary residence, vacation home, or investment property✔ Refinance your current mortgage for better terms or lower rates ✔ Tap into home equity with a cash-out refinance

✅ Lower Interest Rates – Competitive rates for well-qualified borrowers
✅ Flexible Down Payments – As low as 3% down for eligible homebuyers
✅ No Upfront Mortgage Insurance – Unlike FHA loans, you won’t pay upfront mortgage insurance fees
✅ Eliminate PMI – Private Mortgage Insurance (PMI) can be removed once you reach 20% equity
✅ Various Term Lengths – Choose from 10, 15, 20, or 30-year terms

A conventional loan is an excellent choice if you:

• Have a credit score of 620+
• Want a low-down-payment option
• Prefer a fixed or adjustable-rate mortgage
• Plan to avoid long-term mortgage insurance costs

At Graham Lending Expert, we guide you through every step, from pre-approval to closing, ensuring you get the best loan for your situation.

If you already own a home, refinancing with a conventional loan can help you: ✔ Lower your monthly payment✔ Reduce your loan term and pay off your mortgage faster ✔ Switch from an adjustable-rate to a fixed-rate loan✔ Take cash out for home improvements, debt consolidation, or other expenses

Our expert team will review your current mortgage and present customized refinance solutions to fit your needs.

At Graham Lending Expert, we offer: ✔ Personalized loan solutions tailored to your goals
✔ Fast & transparent application process with no hidden fees
✔ Dedicated mortgage experts guiding you every step of the way
✔ Access to multiple lenders to secure the best rates available

Our mission is simple – to help you achieve your homeownership and financial goals with confidence.

Taking the next step is easy. Contact Graham Lending Expert today to discuss your home financing options.

📞 Call us at 843-246-4997
💬 Schedule a free consultation
📩 Apply online in minutes!

Graham Lending Expert – Your Trusted Partner in Home Financing