One Size Doesn’t Fit All—Neither Should Your Loan

Conventional mortgages may be the most familiar with borrowers, but that doesn’t mean you get the same product and service everyone else does. With ACM, you get a mortgage advisor that you can trust and rely on—service that’s anything but conventional.

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Advantages of a Conventional Loan

Low Down Payments

Put as little as 3% down, depending on your financial situation

Option for No Private Mortgage Insurance (PMI)

A 20% down payment allows you to avoid monthly PMI payments

Flexible Property Options

Whether it’s your first home, a second home, or even an investment property a conventional loan may be a great option to help you achieve your homeownership goals

Rate options

Offers both Fixed or Adjustable Rate options

More About The Conventional Loan Program

A Conventional Loan with ACM recognizes your strengths.

This loan can be a powerful tool for those who’ve built a solid credit history—generally a score of 640 or higher—and maintain a healthy balance between their monthly debts and income (a debt-to-income ratio below 50%).

With our Conventional Loan Program, we acknowledge your preparedness as a homebuyer and offer you more choices right from the start, especially when determining the size of your down payment. This tailored approach can be a significant advantage as you take this exciting step towards homeownership.

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Why Choose ACM

  • Dedicated Partner

    Consider ACM more than just a rate source—we're your dedicated Mortgage Navigators, invested in making your homeownership journey a confident one. Buying a home isn't just a transaction; it's a pivotal life moment.

  • Service-first experience

    We offer more than just competitive rates; we provide real interactions that build trust and form relationships with our clients. The ACM team prides itself on delivering a value-based, service-first experience that turns uncertainty into education.

  • Personalized insights

    That's why we go beyond simply processing paperwork. We're here to offer personalized insights, clear guidance from the start, and a strategic roadmap tailored to your specific financial landscape.

  • Know before you owe

    Our focus extends beyond closing the deal; we aim to empower you to move forward with absolute clarity, helping you understand your costs and know before you owe.

Private mortgage insurance (PMI) is generally required for conventional loans when the down payment is less than 20%. If your monthly mortgage payment includes property taxes, your lender will deposit those funds into an escrow account and pay the taxes on your behalf when due.

Eligibility for all applicants cannot be guaranteed. Advertised programs, guidelines, rates, and fees are subject to change without prior notification. Contact a loan officer today to explore your financing options. This is an advertisement and is not a commitment to lend. | Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal

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