Conventional Loans

Conventional mortgage loans are mortgages that are not covered by any government program of insurance or guarantee. Such loans may be eligible for purchase by the major secondary market agencies Fannie Mae and Freddie Mac which offer standardized underwriting guidelines for conforming loan amounts up to $417,000. These loans can carry fixed or variable (ARM) mortgage rates and a variety of repayment terms that can be tailored to your individual needs. Down payment requirements may be as little as 3%, although loans with less than 20% down require mortgage insurance. Generally, these loans do not have prepayment penalties.

No matter where you are in your journey to home, we’re here to help you. From conventional loans to THDA home loans, we can find the right fit for you. If you’re not sure what to choose, start the quick application, and we’ll get in touch with you.

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Why Guaranty Trust


Since 1986, Guaranty Trust has been a leader in residential mortgage lending. Locally owned and operated in Tennessee, we service loans in 32 states. That means you receive friendly personal service from a hometown team, plus the deep resources of a large organization. From Conventional, Jumbo, FHA, VA, Rural Development, and THDA loans, our experts can guide you through the process with speed and ease.