Conventional Loans - Mesa, AZ

Beautiful Mesa, AZ, is an excellent place for those who would like a warm, urban environment close to the great outdoors. Most people living here own their homes – and you can too.

The loan professionals at District Lending make the loan process easy and accessible: we’re one of the top mortgage brokers in Mesa, AZ, ready to help you meet your financial goals.

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Mesa, Arizona: Conventional Loan Options

Conventional home loans are a great option for those with a good credit score, as they require a lower down payment and often have better rates than an FHA loan.

Conforming Conventional Loans:

This conventional mortgage is guaranteed by Fannie Mae and Freddie Mac. In 2023, any amount below $726,200 is a conforming conventional home loan.

Non-Conforming Conventional Loans:

Also known as jumbo loans, non-conforming loans are larger than $726,200 and are not guaranteed.

Fixed-Rate Loans:

This loan will ensure a fixed interest rate throughout the mortgage and is excellent if you purchase when rates are low.

Adjustable-Rate Loans:

Adjustable-rate mortgages have interest rates that fluctuate; they’re cheaper at the beginning of the mortgage, making them great for younger borrowers.

The best rates come with the best deal.

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Support For Mesa Home Buyers: Loan Programs You Must Know

Getting conventional loans can be overwhelming, but don’t worry: District Lending and your city have your back. Check out these helpful programs for support every step of the way.

HOME Investment Partnership Program
Get assistance with building, buying, or rehabiliating a home through funding for low-income individuals.
Home Ownership Assistance Program (HOA)
This program provides down payment and closing cost assistance for those seeking all types of loans, including conventional mortgages.
Home In Five
Available to residents of Maricopa County, Home In Five provides money for up to 5% of down payments and closing costs, as well as consumer education to help you understand conventional home loans.
Teacher Next Door
Confused about mortgage insurance, credit repair, and how to choose lenders? Teacher Next Door provides quality financial education to those looking to purchase their own home. Plus, if you’re a public service employee, you can get grants to help fund your conventional home loan.