Conventional Mortgage Program
Conventional loan options now support both FICO and VantageScore credit scoring models, allowing borrowers to potentially qualify for better pricing based on the more favorable score.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- most states
Highlights
- •Supports both FICO and VantageScore credit models
- •Automatic dual-model credit reporting when using free credit reports
- •Potential for better pricing via more favorable LLPAs
- •No credit score required for all co-borrowers
- •Requires at least one borrower to have a credit score
- •Must be AUS approved
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 7/15/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.