Buwalda Mortgage Is the Right Choice for Your Conventional Loan

When it comes to securing a Conventional Loan, the lender you choose can make all the difference in your home-buying journey. With over 28 years of experience, Buwalda Mortgage has built a legacy of trust and excellence in California’s Central Valley. As a family-owned mortgage company, we combine personalized service with deep industry expertise, ensuring that every client feels supported and confident throughout the process.

What Is a Conventional Loan, and Why Choose It?

A Conventional Loan is one of the most popular financing options for homebuyers today. Unlike government-backed loans such as FHA or VA loans, Conventional Loans are not insured by a government entity. This means they often come with fewer restrictions but may require higher credit scores and down payments.

The benefits of choosing a Conventional Loan include:

Competitive Interest Rates: Conventional Loans often offer lower interest rates for qualified borrowers.
Flexible Loan Terms: Choose between fixed or adjustable rates, with term lengths ranging from 10 to 30 years.
No Private Mortgage Insurance (PMI) for Higher Down Payments: If you put at least 20% down, you can avoid PMI, saving money over the life of the loan.
Wider Range of Properties: Unlike some government loans, Conventional Loans can be used to finance vacation homes, investment properties, or primary residences.

For first-time homebuyers and those looking to purchase or refinance a home, Conventional Loans provide the flexibility and affordability needed to achieve financial goals.

Why Buwalda Mortgage Stands Out

In a crowded mortgage market, finding a lender that prioritizes your needs can feel overwhelming. Here’s why Buwalda Mortgage is the best choice for your Conventional Loan:

1. A Legacy of Expertise

With nearly three decades of experience in mortgage lending, retail banking, and finance, our team has seen it all. We’ve guided thousands of clients through every step of the loan process, from pre-qualification to closing. Whether you’re buying your first home, upgrading to a larger property, or refinancing your current mortgage, our extensive knowledge ensures you get the best possible loan terms.

Our expertise extends beyond Conventional Loans. We also specialize in FHA, VA, and privately funded loans, giving you access to a wide range of options. But when it comes to Conventional Loans, our clients benefit from our deep understanding of local market conditions and national lending guidelines.

2. Personalized Service, Tailored to You

At Buwalda Mortgage, we don’t believe in a one-size-fits-all approach. Every borrower’s financial situation is unique, and we take the time to understand your goals, needs, and concerns. This personalized approach allows us to recommend loan programs and strategies that fit your specific circumstances.

Here’s what personalized service looks like at Buwalda Mortgage:

One-on-One Consultations: Sit down with our experienced team to discuss your options and get answers to your questions.
Customized Loan Solutions: Whether you need a low down payment, flexible terms, or a quick closing, we’ll find the right fit.
Clear Communication: From application to closing, we keep you informed every step of the way, ensuring no surprises.

3. Family-Owned, Community-Focused

As a family-owned company, Buwalda Mortgage values relationships above all else. Our Central Valley roots give us a unique perspective on the local real estate market and the needs of our community. When you work with us, you’re not just another file—you’re part of our family.

Our clients trust us because we take the time to build lasting relationships. We’re proud to serve multiple generations of homeowners, helping families achieve their dreams of homeownership while fostering growth and stability in our community.

The Conventional Loan Process with Buwalda Mortgage

Securing a Conventional Loan doesn’t have to be complicated. At Buwalda Mortgage, we make the process simple, transparent, and efficient. Here’s how it works:

Step 1: Pre-Qualification

The first step is determining how much you can afford. Our team will review your financial profile, including your income, credit score, and debt-to-income ratio, to provide a pre-qualification amount. This gives you a clear idea of your budget and strengthens your offer when you find the right home.

Step 2: Finding the Right Loan

Not all Conventional Loans are the same. We’ll help you decide between:

Fixed-Rate Loans: Ideal if you prefer stable monthly payments over the life of the loan.
Adjustable-Rate Mortgages (ARMs): Perfect if you want lower initial payments and plan to sell or refinance before the rate adjusts.

We’ll also explore loan terms, down payment options, and potential savings on PMI.

Step 3: Application and Approval

Once you’ve found your dream home, our team will guide you through the application process. We handle the paperwork, liaise with underwriters, and ensure your application moves forward without delays.

Step 4: Closing

Closing day is when everything comes together. We’ll ensure you understand all the terms, fees, and conditions before signing, so you feel confident about your investment.

Understanding the Central Valley Advantage

As a locally owned and operated business, Buwalda Mortgage has a deep connection to the Central Valley. This region’s real estate market is unique, with a mix of rural charm and growing urban development. Whether you’re buying in Fresno, Modesto, Stockton, or surrounding areas, we bring valuable insights to the table.

The Central Valley’s affordability makes it an attractive option for first-time homebuyers, and our team has the local expertise needed to navigate this market. From understanding property values to helping you compete in a competitive housing market, we’re here to ensure your success.

Frequently Asked Questions About Conventional Loans

We know you might have questions about Conventional Loans. Here are some of the most common ones we hear:

What credit score do I need for a Conventional Loan?
Most lenders require a minimum score of 620, but higher scores can qualify you for better rates.
What’s the minimum down payment?
Down payments for Conventional Loans typically range from 3% to 20%, depending on your financial profile.
Are Conventional Loans only for first-time buyers?
No! While they’re a great option for first-time buyers, Conventional Loans are also suitable for refinancing, investment properties, and second homes.
Can I refinance a Conventional Loan?
Absolutely. Refinancing can help lower your interest rate, reduce monthly payments, or cash out equity.

Ready to Get Started?

At Buwalda Mortgage, we’re passionate about helping our clients achieve their homeownership dreams. Whether you’re buying your first home, refinancing, or upgrading, our team is here to guide you every step of the way.

Contact us today to schedule a consultation and learn more about your Conventional Loan options. With Buwalda Mortgage, you’ll experience the perfect blend of personalized service, local expertise, and industry-leading experience.