Conventional Loans

Your trusted. full-service mortgage company — dedicated to helping you make the best decisions about one of the biggest purchases of your life.

Conventional Loans

Conventional Loans The Flexible Choice

What Are Conventional Loans?

Check My Eligibility

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Baseline (Most U.S. Areas)

High-Cost Areas

Alaska, Hawaii, Guam & USVI

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. 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.

Conventional Loan

See if you qualify for a conventional loan with as little as 3% down.

3%

Down

No

PMI at 20%

620

Min Credit

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better interest rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.

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.

Your trusted, full-service mortgage company dedicated to helping you make the best decisions for one of the biggest purchases of your life.

Quick Links

Contact

[email protected]

801-981-5690

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Conventional Loan Requirements Conventional loans offer flexibility with competitive requirements for qualified borrowers. Credit Score Down Payment Debt-to-Income Ratios Maximum DTI 50% Preferred DTI 43% Lower DTI ratios typically qualify for better interest rates and terms. 2026 Conventional Loan Limits Understanding loan limits helps determine which conventional loan type fits your purchase price and property type. Baseline (Most U.S. Areas) High-Cost Areas Alaska, Hawaii, Guam & USVI Private Mortgage Insurance (PMI) Understanding PMI helps you make informed decisions about down payments and monthly costs. When PMI Is Required PMI Removal Options Frequently Asked Questions Get answers to common questions about conventional loans Ready to Get Started? Explore your conventional loan options and find the perfect financing solution for your home. CONTACT US TODAY Your trusted, full-service mortgage company dedicated to helping you make the best decisions for one of the biggest purchases of your life. Quick Links Contact [email protected] 801-981-5690 {branding.companyNmls && © {branding.privacyPolicyUrl && Privacy Policy
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