Conventional Loans

Conforming Loans

In the United States, a conforming loan is a mortgage loan that conforms to GSE (Fannie Mae and Freddie Mac) guidelines. The most well-known guideline is the size of the loan, which in 2017, for most markets in the continental United States, is limited to $424,100 for single family homes. Some select markets have slightly higher value limits. Other guidelines include borrower's loan-to-value ratio (i.e. the size of down payment), debt-to-income ratio, credit score and history, documentation requirements, and property type.

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HomeReady Mortgage

We understand the financial challenges many homebuyers are facing. They can't afford a large down payment; may have multiple student loans; or may rely on income from non-traditional sources (i.e., parents or other family members). These challenges can make homeownership seem impossible, or may have impacted their ability to buy a home in the past.

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Home Possible

The Home Possible® Mortgage is a loan program that offers low down payment options and flexible credit terms that make it easier for first-time homebuyers and low to moderate income borrowers to buy the home of their dreams. If you are a community worker such as a law enforcement officer, firefighter, teacher, health care worker or member of the United States Armed Forces, Home Possible® Mortgages can provide an added benefit of giving you the extra flexibility to help you afford a home in the neighborhood you support.

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