---
title: Apply for a Conventional Home Loan | UHM
---

# Conventional Loans

## Mortgage loans with less restrictions and a variety of term options to choose from.

![homepage_fha](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/homepage_fha.png)

## Fixed-rate option

Love a stable budget? Your monthly principal and interest payment is fixed with this option. It will never change for the life of your loan.

[ LEARN MORE ](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/fixed-rate-mortgage)

![seller-gift-moneyF3-2](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/seller-gift-moneyF3-2.png)

## Flexible terms

Pay off your mortgage at your pace with flexible term options for both fixed-rate and adjustable-rate mortgages.

![hybrid-arms](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/hybrid-arms.png)

## Adjustable-rate mortgage (ARM)

Your interest rate is generally lower than a fixed-rate for an initial period, then adjusts according to market rates.

[ LEARN MORE ](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/adjustable-rate-mortgage)

 COMPARE MORTGAGE SCENARIOS 

[ProductBenefitsMobile ** ](http://sandbox-bedford-capital-uhm-22018491.hs-sites.com/conventional#productBenefitsMobile)

![homepage_fha](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/homepage_fha.png)

## Fixed-rate option

Love a stable budget? Your monthly principal and interest payment is fixed with this option. It will never change for the life of your loan.

 LEARN MORE

![seller-gift-moneyF3-2](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/seller-gift-moneyF3-2.png)

## Flexible terms

Pay off your mortgage at your pace with flexible term options for both fixed-rate and adjustable-rate mortgages.

![hybrid-arms](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/hybrid-arms.png)

## Adjustable-rate mortgage (ARM)

Your interest rate is generally lower than a fixed-rate for an initial period, then adjusts according to market rates.

 LEARN MORE

### WHY UHM?

## We go above and beyond to deliver a mortgage experience you'll rave about

![we-keep-our-promises1-Feb-26-2024-06-36-27-4021-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/we-keep-our-promises1-Feb-26-2024-06-36-27-4021-AM.png)

## We keep our promises

Our mantra promises that we stand by what we say, exceed expectations with what we do and will treat you like family at every turn.

![industry-experts2-Feb-26-2024-06-37-12-3242-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/industry-experts2-Feb-26-2024-06-37-12-3242-AM.png)

## Industry expertise

We’ve been in the business for half a century and have guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership.

![world-class-service3-Feb-26-2024-06-37-54-4123-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/world-class-service3-Feb-26-2024-06-37-54-4123-AM.png)

## World-class service

From day one to close through each monthly statement, our Partners go the extra mile for every customer and deliver personalized service unmatched in the industry.

![long-haul4-4](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/long-haul4-4.png)

## Streamlined process

Mortgages don't need to be complicated. Our process is simple and straightforward. Your loan officer keeps you in the loop every step of the way home.

![equal-housing-lender5-Feb-24-2024-09-12-02-6315-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/equal-housing-lender5-Feb-24-2024-09-12-02-6315-AM.png)

## Equal housing lender

We believe in making homeownership accessible to persons of every race, color, religion, gender, familial status, national origin, military status or disability.

### GET ONE STEP CLOSER TO HOME

## Ready to talk all things mortgage?

## So are we. Explore your loan options now.

[![SEE HOW MUCH YOU CAN AFFORD](https://no-cache.hubspot.com/cta/default/22018491/56cb1213-e0e2-4ddd-9375-338ddc6211c4.png)](https://cta-redirect.hubspot.com/cta/redirect/22018491/56cb1213-e0e2-4ddd-9375-338ddc6211c4)