Home Loan
Conventional Loans
Clean, conventional financing, structured for the best fit and pricing.
Overview
How Terry approaches it.
Conventional loans are the backbone of home financing. Qualified buyers can put down less than 20%, and mortgage insurance on a conventional loan can be removed once you build enough equity.
Terry compares conventional with FHA and other options on your real numbers, so you choose the loan that costs less over the time you plan to own.
Terry WilliamsSenior Loan Advisor · NMLS #219863
How It Runs
Six steps, with Terry in every one.
01Conversation & Strategy
Terry starts with your goals, timeline, income, assets and credit, and anything unusual about the scenario.
02Pre-Approval
Your documents are reviewed and verified up front, so your pre-approval holds up when it matters.
03Compare Programs
Loan programs and pricing are compared side by side, with the payment and the long-term cost shown for each.
04Application & Rate Lock
Once you are under contract or ready to refinance, the application is completed and your rate is locked.
05Underwriting & Appraisal
Terry works through conditions as they come up and keeps you and your real estate agent informed.
06Clear to Close
Final figures are reviewed with you before signing, then the loan funds and you get the keys.
Specialties
Where Terry focuses.
First-Time Buyers
Low down payment options and a pre-approval you can actually shop with.
Learn more →VA Loans
A benefit veterans earned: no down payment options and no monthly mortgage insurance.
Learn more →