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Conforming Loans

More Buying Power with Competitive Rates

Conforming loans offer some of the best rates and terms available, backed by Fannie Mae and Freddie Mac guidelines. With low down payment options starting at just 3%, they're the most popular choice for homebuyers nationwide.

Talk to a Loan Officer

640+

Min. Credit Score

3%+

Down Payment

$766,550

Max Loan Amount

24-48h

Approval Time

Key Features

Why Choose This Loan?

01

Competitive Rates

Access some of the lowest interest rates available on the market, backed by Fannie Mae and Freddie Mac guidelines.

02

Low Down Payment

Get into your new home with as little as 3% down. First-time homebuyers may qualify for even more favorable terms.

03

Flexible Terms

Choose from 15, 20, or 30-year fixed-rate options, or adjustable-rate mortgages to match your financial strategy.

04

No Reserves Required

Unlike many loan programs, conforming loans don't require you to have months of reserves sitting in the bank.

05

Condo Eligible

Warrantable condominiums, PUDs, and townhomes are all eligible property types under conforming guidelines.

06

Streamlined Process

Standard documentation and automated underwriting means faster approvals and a smoother path to closing.

Requirements

Eligibility Criteria

  • Minimum credit score of 640
  • Primary residence, second home, or investment property
  • Loan amounts up to current FNMA conforming limits
  • Stable employment history (typically 2 years)
  • Debt-to-income ratio within acceptable guidelines
  • Standard documentation (W-2, tax returns, pay stubs)
  • Warrantable condos and planned unit developments eligible

Perfect Match

Ideal For

  • First-time homebuyers looking for affordable entry into homeownership
  • Borrowers with good credit seeking the most competitive rates
  • Homeowners refinancing to lower their monthly payment
  • Buyers purchasing primary residences or second homes
  • Those who prefer predictable fixed-rate monthly payments

How It Works

Simple 4-Step Process

From application to closing, we make the mortgage process straightforward and stress-free.

01

Apply Online

Complete our simple online application in minutes. No commitment required.

02

Get Pre-Approved

Receive your pre-approval within 24-48 hours with competitive rate options.

03

Lock Your Rate

Choose the best rate and terms that fit your financial goals.

04

Close & Celebrate

We handle the paperwork and guide you through a smooth closing.

Ready to Get Started?

Let our experienced team help you find the perfect loan solution. Apply today and get pre-approved in as little as 24 hours.

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