Conforming Loan Limits by County: What Buyers Should Know
The line between a conforming loan and a jumbo loan is drawn county by county, and it moves every year. Here is how those limits work and why the number matters for your loan.
Conventional Loan Limits in 2026
The 2026 conforming loan limit for a one-unit home rose to $832,750, with a high-cost-area ceiling of $1,249,125. Here is what the FHFA figures mean for a conventional loan, how conforming compares to jumbo, the multi-unit limits, and how to read the numbers for your own county.
Conventional Cash-Out Refinance, Explained Without the Sales Pitch
A conventional cash-out refinance turns home equity into cash. Here is how much you can take out, what it really costs beyond the rate, and how to tell a good deal from a good-looking quote.
Conventional Loan for Rental Property: What Changes?
A conventional loan on a rental works much like the one on your own home, with a few key differences in down payment, pricing, reserves, and how the rent counts.
Conventional Cash-Out Refinance Closing Costs: What to Expect
The cash is the headline of a conventional cash-out refinance, but the closing costs decide whether it is worth it. Here is what they include and how to weigh them.
Conventional Cash-Out Refinance LTV Limits
A conventional cash-out refinance lets you turn home equity into cash, but the loan-to-value limit caps how much you can take. Here is how the 80 percent rule works and how to estimate your number.
Conventional Loan Down Payment Options
You do not need 20 percent down for a conventional loan. See the real range from 3 percent up, what PMI actually costs and when it ends, and how to pick the right down payment for your situation.
Conventional Refinance Requirements: How to Check Your Eligibility
A clear walkthrough of conventional refinance requirements so you can check your eligibility before gathering documents: credit score, DTI, equity and LTV, income docs, appraisal and seasoning, plus how to drop PMI and run your own break-even math.
Conventional Loan PMI Explained
Private mortgage insurance is easy to start and quiet about ending. Here are the two ways PMI comes off a conventional loan, what original value really means, and when a refinance is the right move.
HomeReady Loan Explained: How Fannie Mae's Low-Down-Payment Conventional Loan Works
HomeReady is a Fannie Mae conventional loan program built for low-to-moderate-income buyers and homeowners. It requires as little as 3% down, offers reduced private mortgage insurance, and accepts gifts, grants, and boarder income toward qualification. This guide covers eligibility, costs, and whether it fits your situation.
Conventional Loan Credit Score Requirements: What Actually Matters
Conventional loans no longer hinge on a single hard credit-score cutoff. Here is what conventional loan credit score requirements really look like now, how your score changes the price and your PMI rather than just the answer, and what underwriting weighs alongside it.
Conventional Loan Requirements in 2026
The 20 percent down payment is a myth, and the credit bar is lower than most people think. Here is what a conventional loan actually requires in 2026, from loan limits to PMI.