Conventional Loans

Offering flexibility, fewer restrictions, and competitive rates, this loan option is ideal for buyers with strong credit and steady income who are looking to purchase or refinance a primary home, second home, or investment property. 


Couple outside new home, purchased with Guardian CU conventional loan at great rates.


















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Conventional Loan Types

Fixed-Rate Mortgage

  • Fixed-Rate Mortgage: Your interest rate stays the same for the entire loan term, providing stability and predictable payments.


Row of charming homes representing Adjustable-Rate Mortgages with low initial interest rates.
Conventional Loan Types

Adjustable-Rate Mortgage

  • Adjustable-Rate Mortgage (ARM): Starts with a lower interest rate that adjusts after a set period based on market conditions, offering potential savings during the initial term.









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