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Conforming Loans

Enjoy great terms and more options

A conforming loan is a non-government loan that is guaranteed by Fannie Mae and Freddie Mac, which are publicly-traded, government-sponsored enterprises. This guarantee ensures the value of the loan, which is important to issuers.

Home buyers seeking a conforming loan typically enjoy the largest selection of loan products at the most competitive rates. However, they must meet specific financial requirements, and the loan amount may not exceed a certain amount, set at a county-by-county level. In 2018, the loan limit for single-family homes in most states in $484,350 – but conforming high-balance loans are available in designated high-cost counties. For more info, visit Fannie Mae.

Ideally Suited for

  • Home buyers with solid credit profiles, including a FICO score of at least 620, and a qualifying debt-to-income ratio
  • Home buyers whose borrowing needs do not exceed their county limits

Loan Features

  • Both fixed and adjustable rate options are available
  • Financing up to 97% of the purchase price (up to 95% with conforming high balance)
  • More loan options available, including more options to avoid mortgage insurance
  • More competitive rates & fees


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All loans are subject to underwriter final approval, terms and conditions may apply. Subject to change without notice. Always consult an Accountant or Tax Advisor for full eligibility requirements on tax deductions.

Home Loan Guide

Questions about the home buying process? Our Home Loan Guide has the answers you need to make smart decisions. Learn More

We stand behind our loans

Mary Ann McGarry "We can help you find solutions, with a personal touch.” - CEO, Mary Ann McGarry
  • Real people at your side to make the complex loan process simple
  • Hundreds of products and programs, especially for first-time homebuyers
  • Fast, responsive, in-house loan operations to get you funded on time