Request a home loan, mortgage refinance or mortgage loan from mortgage loan refinancing lenders who save you money. Home Loans, Home Mortgages,
Mortgage - Home Loans - Refinance - Mortgage Refinancing - Mortgage Rates - Home Equity
Home Purchase Loans - Home Loans - Purchase Loans
Home Purchase Loans - Home Loans - Purchase Loans
What are Conventional Loans and Conforming Loans?

By definition, a Conventional Home Mortgage Loan is any mortgage that is not
guaranteed or insured by the federal government. A conventional loan is generally
referring to a mortgage loan that follows the guidelines of government sponsored
enterprises (GSE's) like Fannie Mae or Freddie Mac. Conventional house loans may
be either "conforming" and "non-conforming". Conforming loans follow terms and
conditions set by Fannie Mae and Freddie Mac. Nonconforming loans don't meet
Fannie Mae or Freddie Mac guidelines, but they are also considered conventional.

The Main Points of a Conventional Mortgage Loan
  • Conventional Mortgages are ideal for borrowers with
excellent credit and a substantial down payment.
  • Conventional Loans use income expanded qualifying ratios.
  • There are no prepayment penalties for an Conventional Conforming Mortgage.
  • A Conventional Loan can be used for the purchase of a Primary Residence,
Second Home or Investment Property.
  • A Conventional Mortgage is available all areas of the country, provided a market
exists for the property and the home meets minimum property standards.
  • Conventional Mortgages are offered at terms of 10, 15, 20, 25, 30 and 40 years.
    The terms of 15 and 30 years often carry the lowest interest rates.





Lower your monthly bills with mortgage refinance loans, debt consolidation loans
or cash out refinance loans.   Pay off credit cards, make home improvements or
pay tuition.  It’s your loan and your choice!
NO INITIAL CREDIT CHECK - NO SENSITIVE INFORMATION - FREE REQUEST
Call us at 1-800-608-6898
Where Great Rates, Great Programs and Customer Service Meet
Home Purchase Loans
Find the perfect purchase mortgage
loan.  Choose from FHA, VA, USDA
Rural, as well as Jumbo Loans (FHA
VA included) up from 719,000 to
$10,000,000.  The Big Loan is Back!
Home Equity Loans
Cash out your equity now
for debt consolidation, home
improvements, paying off
debts or anything else you
want with your home's equity!
Mortgage Refinance Loans
Rates are the lowest they've
been in close to 30 years.
Refinance now to get a lower
rate, turn your adjustable into a
fixed rate and get cash out!
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All Mortgage and Home Types
Single Family, Condo, Townhome
Modular, Manufactured or 1-4 Units
Did You Know...?

FHA Streamline Refinance

Want to refinance your FHA
mortgage?
If you presently have an FHA
mortgage, you can easily qualify
for a Streamline FHA Refinance
Mortgage. Easier guidelines--no
appraisal, low documentation for
rate and term...
   Read more




We are a direct source of loan
products for manufactured homes
with land and or the mobile home
itself without land.
 Read more
Manufactured and Mobile Homes  
With or Without Land Loans
Home Affordable Refinance Program  
HARP
is designed to help you refinance
into a new affordable, more stable
mortgage...
Read more

Conventional Mortgages
A Conventional Home Mortgage Loan
is not insured by the federal government,
unlike FHA Loans...
Read more

FHA Mortgages - 3.5% Down
Designed for all borrowers who are
unable to make a large down payment.
FHA loan limits vary...   
Read more

VA Mortgages - No Money Down
A VA home loan can be a bit more
complex than a conventional loan,
but the perks...  
Read more

Jumbo Mortgages, FHA, VA
Loans from $417,000 to $10,000,000
Need flexible rates and terms? Need
quick turnaround?  
Read more

USDA Rural Home Purchases
100% financing! Growing in popularity,
USDA loans offer flexible credit
guidelines...  
Read more

Second Homes, Vacation
Properties, Investment Properties
NEW PROGRAM! Now Refinance with
Lower FICOs and Higher loan to value's.
Low Rates Flexible Terms!  
Read more

Modular Home Loans  
Qualify for site-built loan types
and rates..
.Read more
FHA. Modular Home Loans..  Read more
Copyright ©1999-2012 Earth Works Trust Inc. All Rights Reserved Modular, Manufactured and Mobile Home Loans Financing Lenders
Privacy policy: We respect your privacy! Your information will always be kept confidential and will never be distributed or sold!  
Mortgage - Home Loans - Refinance - Mortgage Refinancing - Mortgage Rates - Home Equity
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