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.
| . All loan programs, rates, terms, and conditions are subject to change without notice. Not all loan programs are available in all states. Other restrictions and limitations may apply. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Equal Housing Opportunity.
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