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202 Church St, Sulphur Springs, TX 75482

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Conventional Loans


Conventional loans are offered through Fannie Mae and Freddie Mac and are not federally insured. However, they offer many benefits to home buyers and home owners, such as being quick to process in many cases and having lower payments for some.


▪Offered through Fannie Mae and Freddie Mac

▪Higher loan amounts are available

▪Mortgage insurance premiums apply until loan-to-value reaches 80%

▪Can be used to finance homes aside from a primary residence, such as an investment property or vacation home

▪Offers both fixed and adjustable rates

▪Require a minimum down payment of 5%

▪Typically has more stringent credit terms than an FHA loan

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We’ve helped thousands of customers save money on their mortgage. Get pre-approved & we will help you compare home loan options.

  • Nations Lending Corporation NMLS# 32416 | Bethany Ashby Sales Manager NMLS# 311473 |  Branch ID #1246371

    Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.Texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov

    In accordance with Section 326 of the USA PATRIOT Act of 2001, Nations Lending is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.