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Helio Souza

NMLS ID 13003

301-881-5555 hsouza@americatrustfunding.com

Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.

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FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

Learn More About FHA Loans

Refinance Loans
Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you.

Learn More About Refinance Loans

We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

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Our experienced mortgage professionals are waiting to go to work for you and secure the best possible loan to meet your mortgage needs!


Current Rates

To view more rates click here.

Rate APR Points
30 Year Fixed
2.750% 2.825% 0.000
15 Year Fixed
2.250% 2.385% 0.000
3/1 Year ARM
2.990% 4.044% 0.000
5/1 Year ARM
2.875% 3.842% 0.000
Updated: Jul 13, 2020 8:15 PM EST
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