Knowing the industry better than most, the Manuel Mortgage Team, Goldwater Bank, N.A. is uniquely skilled in conventional lending options. Never settling for average, we work to find financing options that reflect your good credit and qualifications, saving you money in the long run.

Conventional loans aren’t guaranteed or insured by federal agencies such as the VA or FHA. They remain a higher risk for lenders because of the lack of protection, therefore, they require a larger down payment. These extra stipulations ensure that buyers generally have a more secure financial standing and are less likely to default, making them attractive for lenders to offer. Those larger down payments, however, reflect in savings for buyers by allowing us to offer lower mortgage rates. These rates are generally fixed and save you thousands of dollars over the life of your loan.

If you are looking for a conventional home mortgage loan that considers an array of financial scenarios, contact Manuel Mortgage today. We cater to every individual and strive to develop a strategy that checks most (if not all) boxes! As your mortgage specialist, we know what’s available, and we’ll be happy to guide you in the right direction.

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