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Conventional Loans

Fixed-period ARMs (3/1, 5/1, 7/1, 10/1) offer a fixed rate for 3 to 10 years before adjustments, tied to a one-year Treasury index. Advantage: lower rates than 30-year fixed, reducing long-term risk and providing borrowers a fixed rate for a period while retaining flexibility in homeownership plans.

Conventional loans are mortgage loans offered by non-government sponsored lenders. These loan types include:

Fixed Rate Loans

Dream Home Mortgage's fixed-rate loans offer security and predictability. The interest rate remains constant for 15 to 30 years, providing stability to borrowers, regardless of market conditions.

Adjustable Rate Loans (ARMs)

Dream Home Mortgage's ARMs start with a fixed rate for 3 to 10 years, then adjust regularly based on market fluctuations. Initial rates are lower, making it suitable for those planning to sell or refinance before the adjustment period.

Combination (Hybrid) Loans

Hybrid loans combine fixed and variable rates. Dream Home Mortgage's option offers a fixed rate initially, followed by an adjustable rate, providing short-term stability and the potential to benefit from future rate drops.

Balloon Mortgages and Pledge Asset Loans

Dream Home Mortgage offers balloon mortgages with cheaper monthly payments and shorter terms (5 to 7 years). The full outstanding balance becomes due after the term, making it suitable for those planning to sell or refinance.

Jumbo / Construction Loans

Dream Home Mortgage's jumbo loans cater to larger loan amounts beyond conventional limits. Construction loans are available for building new homes, providing customizable down payments and favorable rates.

Reverse Mortgage

Dream Home Mortgage's reverse mortgage program benefits homeowners aged 62 and above. It allows access to home equity without monthly mortgage payments, which benefits retirees needing financial support or help with medical costs.



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When it comes to traditional loans, Dream Home Mortgage offers a broad variety of services to meet the demands of their customers. Dream Home Mortgage gives consumers various options to help them become homeowners, including fixed-rate loans, adjustable-rate loans, and combination loans. Balloon mortgages, pledge asset loans, jumbo loans, and reverse mortgages are all examples of Dream Home Mortgage’s willingness to tailor its services to each customer’s situation. Get in touch with Dream Home Mortgage right now to learn more about conventional loan programs and take the first step toward achieving your goal of becoming a homeowner.