A familiar mortgage.
Built for today’s buyers.
AREG offers a wide range of conventional loan options for purchases and refinances—fixed-rate, adjustable-rate (ARM), high-balance, and related paths. For first-time and low-to-moderate-income buyers, down-payment assistance programs can open a clearer path to closing. Our Help Desk supports realtor partners when rate or closing-cost challenges show up, so you can keep the conversation moving.
- Fixed-rate, ARM, high-balance, and related conventional paths
- Down-payment assistance conversations for eligible buyers
- Realtor Help Desk support for rate or closing-cost challenges
What should I know first?
AREG offers a wide range of conventional loan options for purchases and refinances—fixed-rate, adjustable-rate (ARM), high-balance, and related paths. For first-time and low-to-moderate-income buyers, down-payment assistance programs can open a clearer path to closing. Our Help Desk supports realtor partners when rate or closing-cost challenges show up, so you can keep the conversation moving.
Have these details ready.
Starting information only. Your lender determines final documentation. Send sensitive documents only through the secure process your loan team provides.
- Property state, occupancy, expected price or value, and requested loan amount.
- Income documentation appropriate to W-2 or self-employed income.
- Asset and identification documents through your loan team’s secure process.
- Current mortgage details if you are refinancing.
Before you take the next step.
What conventional options does AREG discuss?
Fixed-rate mortgages, ARMs, high-balance and jumbo-adjacent conversations, and down-payment assistance for eligible first-time or low-to-moderate-income buyers. Availability depends on the property, occupancy, credit, income, and state.
How can AREG help when a seller counter is tight?
Ask about Help Desk support for eligible interest-rate or closing-cost reductions so your buyer can stay competitive. Every scenario still needs individual review.
Are conventional and conforming the same?
Not always. Conforming loans meet applicable agency requirements and limits. Ask whether your loan falls within those limits or needs a different program.
What should I compare before I choose?
Compare the rate, APR, total closing costs, mortgage insurance if applicable, and loan term for the same scenario—not the note rate alone.
A question shouldn’t
slow down a closing.
Brooke and John are here for the “can we?” questions. Bring a loan scenario, ask what to collect, or get help choosing your next step.
See the document checklists ↓
Published 2026-10-28 · Prepared for AREG’s mortgage education library. Program eligibility and pricing require individual review.
Program background from the official source ↗Source guidance explains concepts; it is not a commitment by AREG to offer every listed lender term.