Conventional Loans Financing

At Cedar Wood Mortgage, we specialize in helping clients across the state secure reliable conventional mortgage financing that aligns with their financial goals and homeownership plans.

Whether you're buying your first home, upgrading to your forever home, or refinancing your existing mortgage, our team of experienced professionals ensures a smooth lending experience from application to closing.

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Why Choose Conventional Mortgage Financing?

Choosing the right housing loan for first-time buyers can save you thousands over the life of your loan.

Lower Overall Costs: Conventional loans often come with lower interest rates and fewer fees over time especially for borrowers with strong credit and a solid financial profile.
Flexible Property Options: Unlike government-backed loans, conventional loans in Massachusetts can be used for primary homes, vacation properties, and even investment real estate.
No Upfront Mortgage Insurance: You’ll avoid costly upfront fees like those associated with FHA loans. Plus, private mortgage insurance (PMI) can be removed once you reach 20% equity in your home.
Variety of Term Options: Whether you prefer a 30-year fixed-rate mortgage or a shorter 15-year term, conventional mortgage broker offer term flexibility that fits your budget and goals.

Types of Conventional Loans Available

We offer several conventional loans financing options tailored to the diverse needs of Massachusetts residents:

Conforming Conventional Loans

These loans meet the loan limits and guidelines of Fannie Mae and Freddie Mac. They are ideal for buyers looking for affordability and standardized requirements.

Non-Conforming (Jumbo) Loans

If your loan amount exceeds the Massachusetts conforming limits, we offer jumbo loan options through our conventional mortgage lenders network.

Fixed-Rate Conventional Loans

Perfect for homeowners who want predictable monthly payments and long-term stability.

Adjustable-Rate Mortgages (ARMs)

For borrowers who plan to move or refinance within a few years, ARMs offer lower initial interest rates and can lead to substantial savings in the short term.

The Cedar Wood Mortgage Advantage

As one of the top-rated conventional mortgage lenders in Massachusetts, we provide:

Local Expertise

We know the Massachusetts real estate market from Boston to Springfield to Cape Cod and use that knowledge to help you make informed borrowing decisions.

Custom Loan Solutions

We tailor your conventional mortgage financing to fit your budget, timeline, and long-term financial plan.

Fast Pre-Approvals

Our streamlined application process gets you pre-approved quickly so you can start house hunting with confidence.

Personalized Support

Our team is with you from pre-qualification to post-closing. We answer your questions, explain your options, and make your experience stress-free.

Our Loan Process

Getting started with conventional loans financing is simple and stress-free:

Step 1:

Pre-Qualification & Application

Speak with one of our local loan specialists to review your goals and submit your application.

Step 2:

Approval & Rate Lock

We gather documents, perform a credit check, and lock in a competitive rate tailored to your loan needs.

Step 3:

Closing & Funding

We coordinate the appraisal, underwriting, and closing process to ensure your conventional mortgage financing is finalized on time.

Ready to Apply for a Conventional Loan?

Whether you're buying, refinancing, or investing, we offer the most competitive conventional loans financing solutions. Our expert team will walk you through the process, find the best rate, and make your mortgage experience seamless.

Take the first step toward affordable, secure homeownership.

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Frequently Asked Questions

To qualify, you typically need a credit score of 620 or higher, a stable income, a manageable debt-to-income ratio, and a down payment starting as low as 3% for certain buyers.

Yes. One major advantage of mortgage financing is its flexibility. You can use it to buy primary residences, second homes, or investment properties throughout Massachusetts.

While government-backed loans may allow lower credit scores or down payments, mortgage financing usually comes with fewer long-term costs and more flexible usage options ideal for financially qualified borrowers.

Depending on the loan type and your credit profile, mortgage financing allows down payments as low as 3% for first-time buyers. However, a 20% down payment can help avoid private mortgage insurance (PMI).

Yes. If you’re self-employed, we help you navigate loan financing by reviewing your income documentation, tax returns, and financial statements to qualify you for the best loan.