Conventional Loan

Conventional Loan — stable, competitive, flexible

The most popular mortgage in America. Competitive rates, broad eligibility, and no government-mandated insurance if you put 20% down.

Conventional loans allow as little as 3% down with qualifying credit — no FHA required.

Put 20% down and skip private mortgage insurance entirely — saving hundreds per month.

Conforming limit of $766,550 in most markets — higher than FHA in many counties.

If you put less than 20% down, PMI automatically cancels once you reach 20% equity.

Min. credit score620

Min. down payment3%

Max DTI45–50%

2026 loan limit$766,550

PMIRequired if <20% down

Best rates at740+ credit score

More ways to win
than ever before

If rates drop, so could your payment. We monitor the market and tell you when to act.

Wholesale pricing passed directly to you — better than any single bank can offer.

Most buyers qualify for $5,000–$15,000+ in assistance. We find every program and stack them.