Featured Loans Options

Conventional loans are mortgage loans that are not backed by a government agency such as the FHA, VA, or USDA. Instead, they are offered by private lenders and typically conform to the guidelines set by Fannie Mae and Freddie Mac. These loans are ideal for well-qualified borrowers with a solid credit history and a stable income.

At Frontier Financial of Arizona, we offer a variety of conventional loan options designed to meet the diverse needs of Arizona homebuyers and homeowners:

  • Fixed-Rate Loans – Enjoy predictable monthly payments with interest rates that remain the same over the life of the loan. This is a great option for buyers planning to stay in their home long-term.

  • Adjustable-Rate Mortgages (ARMs) – These loans offer lower initial interest rates that adjust over time. ARMs can be a smart choice for buyers who plan to move or refinance before the rate adjusts.

  • Hybrid Loans (Combination Loans) – A mix of fixed and adjustable rates, providing initial stability with future flexibility.

  • Balloon Mortgages – These offer lower payments early on, with a larger "balloon" payment due at the end of the term. Suitable for buyers who expect to sell or refinance before the final payment.

  • Pledged Asset Loans – An alternative to traditional down payments, allowing borrowers to use assets like investment accounts to secure financing.

  • Jumbo Loans – For buyers purchasing high-value homes that exceed conforming loan limits. Jumbo loans are common in upscale Arizona markets and require stronger credit and financial qualifications.

  • Construction Loans – Financing designed for those building a new home or undertaking major renovations. These loans can be customized for owner-builders or construction-to-permanent setups.

  • Reverse Mortgages – For homeowners aged 62 and older, this option allows access to home equity without monthly mortgage payments—ideal for retirees seeking flexibility.

Whether you’re buying in Prescott, Flagstaff, Phoenix, or anywhere in Northern Arizona, our team at Frontier Financial will help you find the right conventional loan to fit your goals and budget. We’re here to guide you through every step—clearly and confidently.