Classic Financing for Your Home

Your Path to Traditional Home Financing

Conventional loans remain a popular choice among homebuyers, offering stability and flexibility in the home financing process. At Oak Leaf Community Mortgage, we provide a range of conventional loan options to suit various needs and preferences. Whether you’re a first-time homebuyer or looking to refinance, our conventional loans are designed to facilitate your home ownership journey with competitive terms and rates.

Understanding Conventional Loans:

Conventional loans are mortgage loans not insured or guaranteed by government agencies and are available through private lenders like Oak Leaf Community Mortgage. They are ideal for borrowers with:

Let’s Connect!

We’re here to answer your questions and get you started on your mortgage journey.

"*" indicates required fields

By providing your phone number and email address above and pressing the submit button below, you agree to receive automatic text and email messages from Oak Leaf Community Mortgage and also agree to our Privacy Policy. Message frequency may vary. Message and data rates may apply. Reply Help or Stop to Cancel.
This field is for validation purposes and should be left unchanged.

Why Choose Oak Leaf’s Conventional Loans



Choose from a variety of term lengths to match your financial goals.


Interest Rates:

Take advantage of attractive interest rates that reflect your creditworthiness.


Lower Private
Mortgage Insurance:

Potentially lower PMI costs compared to government-insured loans, especially with a down payment of 20% or more.


Variety of Loan

Including fixed-rate and adjustable-rate mortgages to suit your preference.

Understanding Conventional Loans:

Our conventional loan offerings include:

Fixed-Rate Mortgage:

Description: Lock in your interest rate for the life of the loan, providing predictability and stability in your payments.

Term Options: Choose from available term lengths to fit your needs.

Adjustable Rate Mortgage:

Description: Start with potentially lower interest rates that adjust after a set period, offering initial lower payments.

Adjustment Periods: Offering flexible and varied terms available to best suit your customized needs.

Begin Your Conventional Loan Application

Getting Started:

Begin Your Conventional Loan Application

Find Stability and Flexibility with Our Conventional Loans

Oak Leaf Community Mortgage’s conventional loans offer the perfect blend of stability and flexibility to help you finance your dream home. Connect with us today, and let’s explore how our conventional loan options can pave the way to your homeownership.

Success Stories

As 30+ year real estate investors who purchase distressed 1-4 family properties to rehab and sell to primary resident buyers, it is essential to have a lending relationship that we can depend on who fulfills our acquisition and construction funding needs. Joseph LaGiglia, Angie Petrizzo, and the whole team at Oak Leaf Community Mortgage, who is powered by North Shore Trust and Saving, is our “partner” in the true sense that old school community banking used to be known for. With rates and fees well below the traditional funding sources in our business, and having the confidence through our experience to know if they say they will close our loan they do, we are able to be a leading solution to homeownership needs within the communities we are focused in. Thank you OLCM for another successful closing.

- Joe S.

I would 10/10 recommend Oak Leaf Community Mortgage to anyone!! I have been in the financial services industry for more than 15yrs and these guys (and gals) knock it out of the park! Joe LaGiglia and crew are one of kind, they truly care about your situation and work hard to ensure you are in the right product/timing/finances for your needs. They are extremely responsive, friendly and knowledgeable and make the home buying experience a breeze. Using Oak Leaf is a no-brainer…you won’t regret it!

- Hannah S.

I recently refinanced with Joseph LaGiglia at Oak Leaf and could not be happier with the process. I was told, upfront, the time to refinance was extended due to the low rates prompting many to refinance. He offered a solid rate and locked it in after initial paperwork was completed. I received multiple phone calls from members of the team to update me on the process. A small, but communicated snag, was hit and my closing was pushed back one week. Joe was empathic on the process as he walked me through the final days until close. At close, I asked the title company about the rate and was told, “That is a good rate for a 15 year, and you are at a 30!” Communication is vital, and the team at Oak Leaf was beyond my expectations. If rates ever go this low again, I will call. I recommended Joe/Oak Leaf to my friends and family.

- JP M.

Frequently Asked Questions

Conventional loans offer several benefits, including competitive interest rates, flexible terms, and suitability for borrowers with strong credit and stable income.

Conventional loan credit score requirements typically favor borrowers with good to excellent credit scores. Generally, a credit score above 620 is desirable for conventional loan eligibility.

Yes, conventional loans often offer low down payment options. Some programs allow for down payments as low as 3%, although the exact requirement may vary based on factors like your creditworthiness and the specific loan program you choose.