Loan Program
Conventional
The classic path to ownership — flexible, fast, and competitive.
Overview
Conventional loans are the workhorse of the U.S. mortgage market — conforming to Fannie Mae and Freddie Mac guidelines with competitive rates, flexible terms, and no upfront mortgage insurance premium.
Who it's for
- Buyers with steady W-2 income
- Move-up buyers with equity
- Borrowers with mid-to-strong credit
- Anyone wanting to avoid FHA mortgage insurance long-term
Benefits
- Down payments as low as 3%
- PMI drops off once you hit 20% equity
- Higher loan limits than FHA in most Texas counties
- No upfront funding fee
Common Questions
What credit score do I need?
Programs start at 620, but the best pricing typically shows up at 720+.
How much down payment?
As little as 3% for first-time buyers; 5-20% for most other scenarios.
Do I have to pay PMI?
Only if your down payment is under 20%, and it drops off automatically at 78% loan-to-value.
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