Conventional Loans
Conventional Loans
What Are Conventional Loans?
Quick Qualification Check
Loan Requirements
Credit Score
Down Payment
Debt-to-Income
2026 Loan Limits
Baseline (Most Areas)
High-Cost Areas
AK, HI, GU & USVI
Private Mortgage Insurance
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.
Conventional loans are traditional mortgages not backed by government agencies. 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 rates and terms.
Understanding loan limits helps determine which conventional loan type fits your purchase price.
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.
E Mortgage Capital
Professional mortgage services in 30 states. NMLS #1298095
Quick Links
Contact
(503) 427-8469
Personal NMLS# 1298095
Company NMLS# 1416824
© Dave Jimenez. All rights reserved.
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