Conventional Loans

Chad Rutherford, Mortgage Consultant at Eagle Mortgage Advisors LLC

Chad Rutherford, Mortgage Consultant

Eagle Mortgage Advisors LLC

Phone: (972) 814-6552

Email: [email protected]

NMLS# 299277

Company NMLS# 872948

Licensed in: TX, OK

Eagle Mortgage Advisors LLC is licensed to originate mortgage loans in Texas and Oklahoma. Products, disclosures, and consumer protections may vary by state. Information provided in any advertisement, social media post, flyer, email, or property listing is for general informational purposes only and should not be construed as legal, tax, or financial advice. Consumers should consult their own legal, tax, or financial advisors regarding their specific situation.

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Conventional Loans

Conventional Loans The Flexible Choice

What Are Conventional Loans?

Quick Qualification Check

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?

LOAN PROGRAMS

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.

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 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.

漏 路 Company NMLS #872948 路 306 West Main Street, Suite B, Gunter, TX 75058 路 (972) 382-1176 路 Equal Housing Opportunity

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