Conventional Loans

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

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