Conventional Mortgage Program
Conventional purchase and refinance loan programs offering flexible guidelines, including options for HomeReady and HomePossible, with LTVs up to 97%.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 97%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc
- States
- most states
Highlights
- •LTV up to 97%
- •HomeReady and HomePossible available
- •Property Inspection Waiver per DU
- •Qualify with only W2 income
- •1 year tax returns per DU or LP feedback
- •Blended ratios with non-occupant co-borrower
- •Transferred appraisal OK
- •ARMs option available
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/14/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.