Conventional Loans

Conventional Loans

Conventional Loans The Flexible Choice

What Are Conventional Loans?

Quick Qualification Check

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Baseline (Most U.S. Areas)

High-Cost Areas

Alaska, Hawaii, Guam & USVI

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

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

Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.

Traditional financing with flexible terms and competitive rates.

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.

Get answers to common questions about conventional loans

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

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• Traditional Financing Conventional Loans 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. Get Pre-Approved Check Rates What Are Conventional Loans? Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations. Quick Qualification Check Traditional financing with flexible terms and competitive rates. Check My Eligibility 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. Baseline (Most U.S. Areas) High-Cost Areas Alaska, Hawaii, 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 Get answers to common questions about conventional loans 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
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