Flexible & Stable Conventional Home Loans

Ideal for borrowers with strong credit, offering competitive rates and a straightforward process to achieve your homeownership goals.

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Fixed-Rate vs. Adjustable-Rate (ARM): Which is Right for You?

Feature	Fixed-Rate Mortgage	Adjustable-Rate Mortgage (ARM)
Interest Rate	Rate is locked for the entire life of the loan.	Rate is fixed for an initial period (e.g., 5, 7, 10 years) then adjusts periodically based on market indexes.
Monthly Payment	Stable and predictable throughout the loan term.	Payment can change after the initial fixed period, potentially increasing or decreasing.
Best For...	Long-term homeowners who value certainty and financial predictability.	Short-term owners, those expecting significant income growth, or buyers in declining interest rate environments.
Security & Risk	High security, no interest rate risk.	Moderate risk, as future interest rate changes are unknown.

Discuss Your Options with an Advisor

Advantages of a Conventional Loan with Unik Filen

Piggy bank icon representing lower costs — Often have better rates and terms than government-backed loans for qualified borrowers.

House with upward arrow icon representing versatile use — Finance a primary residence, vacation home, or investment property.

Chart icon representing flexible terms — Choose a loan term that fits your budget, from 10 to 30 years.

PMI crossed out icon representing avoiding mortgage insurance — With a 20% down payment, you can avoid Private Mortgage Insurance (PMI).

Our Streamlined Application Process

Prequalification

Get a clear picture of your borrowing power and estimated loan amount within minutes. This step helps set realistic expectations for your home search.

Documentation

Our expert team guides you through gathering all necessary financial documents efficiently, ensuring nothing is missed. We make this often-dreaded step surprisingly smooth.

Underwriting & Approval

Unik Filen's dedicated underwriters work quickly to review your application and secure your loan approval, keeping you informed at every stage.

Closing

The exciting final stage! Sign the papers, and either get the keys to your new home or successfully complete your refinance with confidence.

Time to Refinance?

A conventional refinance can help you secure a lower monthly payment, shorten your loan term, or cash out a portion of your home's equity for other financial goals. Let's explore if refinancing with Unik Filen makes strategic sense for you.

Calculate My Refinance Savings

Get Your Personalized Conventional Loan Quote Now

Every borrower's situation is unique. Contact Unik Filen for a no-obligation quote tailored precisely to your financial profile and homeownership aspirations. We're here to guide you.

Request a Free Consultation

or call us directly: 1-800-FILEN-LOAN