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  • Conform to Fannie Mae/Freddie Mac guidelines with regard to determining credit worthiness of lending.
  • Typically require higher qualifying FICO credit scores.
  • Rates of interest tend to be higher on average because they are not government insured.
  • Does not need to be your primary residence to receive funding.
  • Can come in many forms such as construction loans or rehab loans.
  • Max income limits may apply for certain programs, typically those meant to assist first time home buyers.
  • Max loan to value is typically less, whether for reducing your payments or getting equity from the home.
  • Monthly Mortgage insurance can be applicable depending on the total loan to value.
  • More stringent debt-to-income ratio requirements can be more flexible with compensating factors.

Learn more about conventional loan programs here:

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