• Jessica Goldberg * NMLS #1713098

    ~Email: jessica.goldberg@cardinalfinancial.com ~Cell Phone: (612) 718-6763

    ~Office Phone: (702) 945-0281

    Mortgage License
    Minnesota, Wisconsin, Nevada, California, Arizona, and Florida
    Let's make your dreams of home ownership become a reality!
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  • Conventional Loan

  • Fun Fact about Minnesota: Minnesota's nickname is "The Land of 10,000 Lakes." but it has at least 11,842 lakes of 10 acres or more. If you count the smaller lakes, the number goes up to as many as 15,000. Minnesota has more recreational boats than any other state: one per every six people. 

  • Conventional mortgages are the most popular option for borrowers looking to purchase or refinance a home. Borrowers may choose between fixed and adjustable rate mortgages with terms from 10 to 30 years. Conventional mortgages are not insured or guaranteed by any government agency and may be sold to Fannie Mae or Freddie Mac. 

    Many borrowers enjoy the consistent monthly payment that comes with a fixed rate conventional loans, as this tends to make budgeting easier. However, adjustable rate mortgage (ARMs) may make the initial payment lower with the payment adjusting after the fifth, or tenth year and every two years after for the term of the loan. 

  • Why Get a Conventional Loan?
    • Put down as little as 5%.
    • If you're a first- time home buyer, you can put down as little as 3%.
    • Credit score as low as 620 may be accepted.
    • Fixed rates offer consistent monthly payments and simplify planning and budgeting. 
    • ARMs may have lower initial monthly payments than fixed-rate loans and adjust after the fixed term. 
    • Available for purchase, refinance, or cash-out refinance.