Conventional Loan

Conventional home loans remain one of the most popular options for homebuyers. Whether you’re purchasing your first home, upgrading, or refinancing, these loans offer flexibility, competitive rates, and a straightforward path to homeownership.

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Why Borrowers Choose Conventional Loans

Competitive fixed or adjustable interest rates

Low down-payment options

No upfront mortgage insurance premium

The ability to remove PMI

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Who Conventional Loans Are Best For

Conventional mortgages generally work well for borrowers with solid credit, stable income, and a desire for long-term flexibility. They’re especially popular with move-up buyers and clients eager to avoid the mortgage insurance requirements tied to government-backed programs.

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Why OnPoint Mortgage

Inventory across the region — from Murfreesboro to Mt. Juliet, Hendersonville, Franklin, and everywhere in between — continues to move quickly. A strong pre-approval with a reputable local lender can give you a competitive advantage in today’s market. We deliver clean, fast closings and crystal-clear communication. Our team knows the Middle TN market inside and out, and we help buyers structure their financing to make competitive offers with confidence.

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