Skyline Properties Mortgage Team

Conventional Home Loans

Conventional Mortgage Lender

Conventional Home Mortgages can be used to purchase primary, secondary, and investment properties. In this way, conventional loans differ from other types of mortgage loans by allowing for different property uses.  Guaranteed by either Fannie Mae or Freddie Mac, conventional mortgages have different criteria and are ideal for borrowers who have higher credit scores.  Subsequently, conventional mortgage loans usually require less documentation than VA Home Loans, FHA Home Loans, or USDA Home Loans which makes for easier qualifying.  Conventional Mortgage Rates are typically lower as the credit requirements are higher for conventional loans.  

The factors considered when applying for Conventional Home Loans are the borrower’s financial history, income, credit score, and down payment compared to the sales price of the home. The last item considered on Conventional Home Loans is the loan limits based on the county where the property is located.  These are separated into conforming and high-balance loan limits. For more information on a specific area please contact one of our licensed loan officers. Call today to speak to a licensed mortgage officer.

Why Skyline Properties is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Exceptional Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Capital Home Mortgage Rates

Conventional Purchase Loan

Conventional Purchase Loans are one of the most popular types of loans and a great choice for many home buyers. Conventional mortgages can be used to purchase any type of occupancy, while FHA, USDA, VA and Native American Loans are restricted to primary residence only. Conventional mortgages are great for borrowers that have higher credit scores and typically have easier qualifying.  

  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single and Multi Family, Condo’s & Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates and Better Terms
  • 97% Loan to Value – Conforming – 715,000 Max Loan
  • 95% Loan to Value – High Balance
  • Primary Residence
    • Single Family – 95%  ( 97% First Time Buyer )
    • Duplex – 85%
    • Tri / 4 Plex – 80%
  • Second Home
    • Single Family – 90% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 85% 
    • Duplex – 75%
    • Tri / 4 Plex – 75%
Conventional Home Loan Benefits

Conventional Purchase Loans are one of the most popular types of loans and a great choice for many home buyers. Conventional mortgages can be used to purchase any type of occupancy, while FHA, USDA, VA and Native American Loans are restricted to primary residence only. Conventional mortgages are great for borrowers that have higher credit scores and typically have easier qualifying.  

  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single and Multi Family, Condo’s & Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates and Better Terms
  • 97% Loan to Value – Conforming – 715,000 Max Loan
  • 95% Loan to Value – High Balance
  • Primary Residence
    • Single Family – 95%  ( 97% First Time Buyer )
    • Duplex – 85%
    • Tri / 4 Plex – 80%
  • Second Home
    • Single Family – 90% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 85% 
    • Duplex – 75%
    • Tri / 4 Plex – 75%

Conventional Refinance Loan

Conventional Refinance Loans are used for more refinances than any other type of mortgage loan.   This is due to Conventional loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to value requirements. Conventional mortgages due require higher credit scores but offer better rates.  

Conventional Highlights

  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single, Multi-Family, Condo’s & Manufactured Homes
  • Lower Rates and Better Terms
  • Conforming – 647,250 Max Loan
  • High Balance ( Varies by County )

Rate and Term

  • Primary Residence
    • Single Family – 95% 
    • Duplex – 85%
    • Tri / 4 Plex – 80%
  • Second Home
    • Single Family – 90% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 85% 
    • Duplex – 75%
    • Tri / 4 Plex – 75%

Cash Out Refinance

  • Primary Residence
    • Single Family – 80%  
    • Duplex – 75%
    • Tri / 4 Plex – 75%
  • Second Home
    • Single Family – 75% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 75% 
    • Duplex – 70%
    • Tri / 4 Plex – 70%
Mortgage Conventional Refinance Lender

Conventional Refinance Loans are used for more refinances than any other type of mortgage loan.   This is due to Conventional loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to value requirements. Conventional mortgages due require higher credit scores but offer better rates.  

Conventional Highlights

  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single, Multi-Family, Condo’s & Manufactured Homes
  • Lower Rates and Better Terms
  • Conforming – 647,250 Max Loan
  • High Balance ( Varies by County )

Rate and Term

  • Primary Residence
    • Single Family – 95% 
    • Duplex – 85%
    • Tri / 4 Plex – 80%
  • Second Home
    • Single Family – 90% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 85% 
    • Duplex – 75%
    • Tri / 4 Plex – 75%

Cash Out Refinance

  • Primary Residence
    • Single Family – 80%  
    • Duplex – 75%
    • Tri / 4 Plex – 75%
  • Second Home
    • Single Family – 75% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 75% 
    • Duplex – 70%
    • Tri / 4 Plex – 70%

Conventional Renovation Loan

CHOICERenovation can assist first time homebuyers who want to fix up a more affordable home, current homeowners who are looking to age in place by making needed repairs and improvements, and multi-generational families who need a more customized living space.

  • Up to 97% LTV of the “as-completed” value
  • 85% LTV on a 1-unit investment property;  90% on a 1-unit second home
  • Credit Scores down to 620
  • Owner-occupied 1–4 unit condos, PUDs, 1-unit second homes, and investment properties are all eligible
  • Luxury renovations and improvements are eligible, like adding a pool or outdoor living area

As inventory becomes increasingly scarce, and home prices remain high, homebuyers are increasingly looking at older, more affordable homes that can be fixed up or customized to their liking. CHOICE Renovation give buyers this opportunity topurchas an older home and make it their own

Renovation Freddie Mac Choice Home Lender

CHOICERenovation can assist first time homebuyers who want to fix up a more affordable home, current homeowners who are looking to age in place by making needed repairs and improvements, and multi-generational families who need a more customized living space.

  • Up to 97% LTV of the “as-completed” value
  • 85% LTV on a 1-unit investment property;  90% on a 1-unit second home
  • Credit Scores down to 620
  • Owner-occupied 1–4 unit condos, PUDs, 1-unit second homes, and investment properties are all eligible
  • Luxury renovations and improvements are eligible, like adding a pool or outdoor living area

As inventory becomes increasingly scarce, and home prices remain high, homebuyers are increasingly looking at older, more affordable homes that can be fixed up or customized to their liking. CHOICE Renovation give buyers this opportunity topurchas an older home and make it their own

Not Sure? Take a Look at Other Mortgage Programs

Skyline Properties Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506
CB Wentling

CB Wentling

Loan Officer
NMLS 107877

Matt Williams

Loan Officer
NMLS 1945867

Capital Home Mortgage Company Reviews