The conventional mortgage most people think of is the “confirming” loan that meets the requirements of Freddie Mac and Fannie Mae (they are government sponsored and by loans from lenders and then sell to investors). Conventional loans have a maximum loan amount of $832,750 in 2026, We are honoring this higher loan limit effective November 25, 2025 for most areas. For high cost areas the conventional loan limit for a one unit property is $1,249,125.

Conventional loans typically require a down-payment that can be as low as 3% with qualifying factors. If putting down less than 20% then borrowers will be required to purchase private mortgage insurance (PMI). They will also have a minimum debt to income rates (DTI) which is the percentage of monthly that goes towards paying off debt.

While conventional loans are many people’s typical idea of a mortgage, we have many programs and will help you decide which best fits your specific needs! Fill out our qualifier and we can schedule a consultation.

Conventional Loan Overview

• Loan Limits
• Down Payment
• PMI (if less than 20% down)
• Minimum Credit Score