Loans and Refinancing

Conventional loans and refinancing are among the most popular home mortgage products today. Phantom offers a range of traditional 30-year mortgage and 15-year mortgage options. In addition, we offer flexible loan and refinancing options with fixed or adjustable rates designed to help borrowers meet their financial goals.


As rates rise and fall, the option to refinance a residential home mortgage can be an important tool for homeowners. Refinancing a higher-rate loan can reduce the monthly payment, free up cash for other purposes, or shorten the term of the loan.

It’s important to keep an eye on interest rates long after you close on your home. Currently, the market is looking quite favorable for refinancing with rates at historic lows.

Use our quick online refinancing calculator or contact our mortgage professionals for a free analysis. It takes just minutes to find out if a refinance could work for you!

Conventional Loans

The standard of mortgage lending, conventional mortgages are best suited for buyers with high credit scores, and typically, higher amounts available for a down payment. Fixed rate mortgages are best if you are planning to stay in your home for the long term.

Various terms are available, including 30-year mortgages, 15-year mortgages and others in between. For the lowest possible initial rate, or if you are planning to move or refinance in a few years, an adjustable rate mortgage (ARM) is a better option. Use our free online mortgage calculator or contact a Phantom mortgage professional to see which options are best for your situation.

  • For primary homes or investment properties (1-4 units)
  • Cash out refinance available
  • Various loan terms available
  • Low down payment
  • Seller’s concessions are dependent on down payment
  • Conventional Plus

    With low down payment requirements, help with closing costs, and flexibility with credit scores, a Conventional Plus mortgage is a good option for first-time homebuyers.

    • Low down payment for single-family and 2-4 family homes
    • 3% seller’s concessions allowed to help pay your closing costs
    • Down Payment Assistance Loan also available
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