Conventional Loan Center
Learn
Careful, qualified guides to conventional mortgages. Every guide cites primary sources and marks its assumptions clearly.
- What Is a Conventional Loan?
A plain-English explanation of conventional loans: how they work, who they may fit, and key decision factors.
- Conventional Loan Requirements: Credit, DTI and Down Payment | Conventional.Loans
See how conventional loan credit, DTI, down payment, income and reserve requirements differ by underwriting method and program.
- Conventional Loan Down Payment: 3% Programs and Cash to Close
Compare eligible conventional 3% down programs, cash to close, mortgage insurance and reserves with scoped examples.
- PMI Costs and Removal: The 80% and 78% Rules | Conventional.Loans
See how conventional-loan PMI is calculated, compare 80% cancellation with 78% termination, and plan next steps with a calculator.
- 2026 Conforming Loan Limits: Baseline and High-Cost | Conventional.Loans
Understand the 2026 conforming loan baseline, high-cost ceilings and special-area rules, then check your county and property size.
- First-Time Home Buyer Guide
Conventional-loan options that may fit first-time buyers, and the decision factors that matter most.
- Conventional Refinance Guide
How conventional rate-and-term refinancing works and how to decide whether it may be worth it.
- Conventional Cash-Out Refinance: Equity, Proceeds, and Trade-offs
How a conventional cash-out refinance works: equity versus available proceeds after payoffs and transaction costs, borrowing alternatives, risks, and preparation.
- Insights
Source-backed educational insights on conventional mortgages.
Comparing loan programs? Explore FHA versus conventional loans and VA versus conventional loans.
Reference tools
Alongside the guides above, we publish structured references built directly from primary datasets.
Next step
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