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Ease Lending is a wholesale mortgage brokerage offering the best in all things mortgage!

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Conventional Mortgages Made Easy with Ease Lending

Explore our variety of loan options tailored to every buyer’s needs.

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Flexible Mortgage Solutions for Every Homebuyer

At Ease Lending, we understand that every home buyer is unique, and so are their financing needs. Whether you’re buying your first home, upgrading to a larger space, or refinancing your current property, we offer a range of mortgage options to help you achieve your goals with confidence.

Explore Our Loan Options: Find the Right Fit for You

Each loan type should have a dedicated section with a brief overview, benefits, and ideal candidate description. Include a "Learn More" button linking to a detailed page for each loan.

Conventional Loans

Overview: "Conventional loans are not insured by the federal government but follow the guidelines set by Fannie Mae and Freddie Mac."

Benefits: "Flexible terms, varied down payment options."

Ideal for: "Buyers with strong credit, looking for a traditional financing route."

VA Loans

Overview: "Veterans Affairs (VA) loans offer benefits for service members, veterans, and eligible surviving spouses."

Benefits: "No down payment required, no private mortgage insurance."

Ideal for: "Veterans, active military personnel, and eligible spouses."

FHA Loans

Overview: "Federal Housing Administration (FHA) loans are ideal for first-time home buyers and those with lower credit scores."

Benefits: "Lower down payments, more flexible qualification requirements."

Ideal for: "First-time home buyers and those rebuilding credit.

Jumbo Loans

Overview: "Jumbo loans are used to finance properties that are too expensive for a conventional conforming loan."

Benefits: "Competitive rates for luxury properties, larger borrowing capacity."

Ideal for: "Buyers purchasing high-value properties."

NON-QM Loans

Overview: "Non-Qualified Mortgage (NON-QM) loans accommodate borrowers who don’t fit the typical lending criteria."

Benefits: "Flexible income verification, tailored for the self-employed and others with non-traditional income sources."

Ideal for: "Self-employed individuals, entrepreneurs, and others with variable incomes."

Renovation Mortgage

Overview: "Renovation mortgages combine home purchase and renovation costs into one loan, allowing buyers to finance both."

Benefits: "Access extra funds for home improvements with a single, streamlined loan."

Ideal for: "Buyers or homeowners looking to renovate a property without securing separate financing."

USDA Mortgage

Overview: "USDA mortgages are government-backed loans designed for rural and suburban homebuyers, offering low-interest rates and no down payment options."

Benefits: "No down payment required, lower mortgage insurance, and competitive interest rates."

Ideal for: "Buyers with moderate income looking to purchase in eligible rural or suburban areas."

Secure a Competitive Conventional Mortgage Loan with Ease Lending

A conventional mortgage loan is one of the most popular financing options for homebuyers and homeowners looking to refinance. Unlike government-backed loans, a conventional mortgage is funded by private lenders and follows guidelines set by Fannie Mae and Freddie Mac. This type of loan offers flexibility, competitive conventional mortgage rates, and multiple financing options for primary residences, second homes, and investment properties.

What is a Conventional Mortgage?

A conventional mortgage is a home loan not insured by the government, making it ideal for borrowers with good credit and stable income. It typically requires a down payment of at least 3%, with loan limits varying based on location. One key advantage is that borrowers who put down 20% or more can avoid private mortgage insurance (PMI), reducing their monthly expenses. Conventional mortgage rates are influenced by credit score, loan amount, and market conditions.

Why Choose Ease Lending for Your Conventional Mortgage Loan?

  • Competitive Conventional Mortgage Rates – Our rates help you save on monthly payments and long-term interest costs.
  • Flexible Loan Terms – Choose from 15, 20, or 30-year fixed-rate options to fit your financial goals.
  • Higher Loan Limits – Finance more expensive homes without the restrictions of government-backed programs.
  • Quick and Streamlined Process – Our team ensures a hassle-free loan application with expert guidance every step of the way.
  • No PMI with 20% Down – Avoid additional costs by making a larger down payment.

At Ease Lending, we make the home loan process smooth and stress-free. Whether you’re purchasing a new home or refinancing, we’re here to help. Contact us today to secure the best conventional mortgage loan for your needs!

FAQs

Have questions?

Here are some answers to frequently asked questions about obtaining a mortgage loan:

What documents will I need to apply for a loan?

You will need proof of income, such as pay stubs, W-2s, and tax returns. Bank statements, a credit report, and employment verification are also required. Additionally, you must provide identification, like a driver’s license or passport, along with any other financial documents requested by the lender.

How long does the approval process take?

Ease Lending’s loan approval process typically takes around ten days, which is faster than many traditional mortgage lenders.

What should I know about closing costs?

Closing costs include loan origination fees, appraisal fees, and title insurance. You will also need to cover prepaid property taxes, homeowners insurance, and other lender or third-party fees. The total amount varies depending on the loan type and location, but Ease Lending provides transparency by outlining these costs upfront.

What they've said about us

We've been lucky enough to work with thousands of happy home buyers and our testimonials speak for themselves. Here at The Ease Lending, we work for you and help you make mortgage decisions that are in your best interest. We have hundreds of 5-Star reviews on Zillow, Google, Facebook and Yelp. Some of the highlights are to the right.

Adele at Ease Lending is an outstanding mortgage professional. While I haven’t personally done a loan with her, I’ve had the opportunity to see firsthand how she works. Her professionalism, knowledge, and dedication to her clients are truly impressive. She is deeply committed to ensuring her clients receive the best guidance and support throughout the mortgage process. If you're looking for someone who genuinely cares and goes the extra mile, Adele is the one to trust!

Michael Steller ★★★★★

We loved working with Adele, we bought a pool home (in Florida) and the cat loves it! She made sure we didn't get caught up in unnecessary loan fees and got me the best rate possible. She was also great at answering all of our questions and made the process go very smooth. Highly recommend her if you are looking for a home mortgage, especially in Bend, Oregon.

Peter Humleker ★★★★★

What they've said about us

We've been lucky enough to work with thousands of happy home buyers and our testimonials speak for themselves. Here at The Ease Lending, we work for you and help you make mortgage decisions that are in your best interest. We have hundreds of 5-Star reviews on Zillow, Google, Facebook and Yelp. Some of the highlights are below.

Not sure which loan is right for you?

Our experts are here to help — contact us today for a personalized consultation.

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