We offer a wide selection of Conforming Loans.

At OneWest Bank, we understand that no two homes are the same, so no two home loans should be either.

Conforming Loan TypeInterest RatePointsAPR
30 Year Fixed3.675 %0.168 %3.723 %
25 Year Fixed3.675 %0.168 %3.731 %
20 Year Fixed3.600 %0.012 %3.649 %
15 Year Fixed3.150 %0.030 %3.215 %
10 Year Fixed3.025 %0.117 %3.138 %
Advertised interest rates and APR assume a FICO score of 740. As of 11/15/2017 03:11:26 PM.
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We offer a wide selection of conforming loans with competitive rates and a variety of repayment terms to suit your individual needs.

A conforming loan has terms and conditions that meet certain guidelines established by Fannie Mae and Freddie Mac. One of the basic requirements of a conforming loan is that the loan amount be under the current maximum limit of $417,000 for a one-unit residential property, however, higher maximums may be applicable based on the property location. High cost area’s offer a higher maximum loan amount and to learn more about high cost areas and the maximum conforming loan amounts available in these areas please contact a Mortgage Lending Specialist or look up the high cost loan limits provided by Fannie Mae.

Conforming Loan Features from OneWest Bank:

  • Loan amounts on one unit properties up to $417,000 or the applicable high cost limit.
  • Financing on primary residences, second/vacation homes, and investment properties of one to four unit residential properties.
  • Home Equity financing.

Conforming Loan Services Include:

  • Underwriters who understand complex financial situations.
  • Local and timely decision-making.
  • Dedicated Mortgage Lending Specialists assigned to all transactions.
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Important Disclosures

It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

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