Conventional Loans

Conventional Loans

Conventional Loans

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

The Flexible Choice

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better interest rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

Explore your conventional loan options and find the perfect financing solution for your home.

• navigate(l.path)} className="text-base font-medium transition-colors" style= onMouseEnter= onMouseLeave= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-base transition-colors" style= onMouseEnter= onMouseLeave= >
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-base font-medium py-2 text-white">
• navigate('/contact')} className="px-8 py-4 rounded-lg text-lg font-medium transition-colors" style= >Check Rates
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="px-8 py-4 rounded-lg text-white text-lg font-semibold transition-all hover:shadow-xl glow-pulse" style= >Contact Us Today
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• navigate('/contact')} className="px-8 py-4 rounded-lg text-lg font-medium transition-colors" style= >Check Rates Conventional Loan Requirements Conventional loans offer flexibility with competitive requirements for qualified borrowers. Credit Score Down Payment Debt-to-Income Ratios Maximum DTI 50% Preferred DTI 43% Lower DTI ratios typically qualify for better interest rates and terms. 2026 Conventional Loan Limits Understanding loan limits helps determine which conventional loan type fits your purchase price and property type. Units Baseline (Most Areas) High-Cost Areas AK/HI/Guam/USVI Private Mortgage Insurance (PMI) Understanding PMI helps you make informed decisions about down payments and monthly costs. When PMI Is Required PMI Removal Options Frequently Asked Questions Ready to Get Started? Explore your conventional loan options and find the perfect financing solution for your home. Contact Us Today © {branding.privacyPolicyUrl && Privacy Policy
• Terms of Service