Fannie Mae · Freddie Mac · Best Rates

Conventional Loans —
The Gold Standard.

For qualified borrowers, conventional loans offer the lowest rates and most flexible terms. From 3% down HomeReady programs to $3M jumbo loans — we find the right conventional product for every borrower profile.

Apply Now → Call 510-786-8739

Program Highlights

Conventional Loan at a Glance

Min Down Payment

HomeReady/HomePossible

620

Min FICO Score

Better rates at 720+

97%

Max LTV

DU/LP conforming

$3M

Max Loan Amount

AUS Jumbo program

Overlay

AUS Approve/Eligible

3/2/1

Temp Buydown

Primary & 2nd home

Program Options

Conventional Programs We Offer

Agency Conforming (DU/LP)

Fannie Mae and Freddie Mac. Up to 97% LTV with no overlay on AUS Approve/Eligible. Temp buydown available. Min FICO 620.

HomeReady / HomePossible

3% down with no MI adjustment. Income ≤ 80% Area Median Income. Max CLTV 105% with community second. Min FICO 620.

High Balance Conforming

Above conforming limit up to $1,249,125 (1-unit Bay Area). Fannie Mae and Freddie Mac. Fixed and ARM programs available.

Traditional Jumbo

Min $1 above conforming up to $3M. Min FICO 720. Max LTV 80%. 5/6, 7/6, and 10/6 ARM available. Net max rebate 2%.

AUS Jumbo

Agency guidelines applied to jumbo amounts. More flexible than traditional jumbo. Up to $3M. Temp buydown available.

2026 Loan Limits

Conforming Limits

Units

Conforming

High Balance

1 Unit

$832,750

$1,249,125

2 Units

$1,066,250

$1,599,375

3 Units

$1,288,800

$1,966,200

4 Units

$1,601,750

$2,402,625

ARM Programs Available

5/6 ARM

Fixed 5 yrs · Caps 2/1/5 · SOFR

7/6 ARM

Fixed 7 yrs · Caps 5/1/5 · SOFR

10/6 ARM

Fixed 10 yrs · Caps 5/1/5 · SOFR

Common Questions

Conventional Loan FAQs

When does private mortgage insurance (PMI) drop off?

PMI on conventional loans automatically drops off when your loan balance reaches 80% of the original home value — typically around year 9-11. You can also request removal at 80% LTV or refinance out of it when you have 20% equity.

Is conventional better than FHA for me?

Conventional is usually better if you have 620+ FICO and can put at least 5-10% down. The rates are similar but conventional PMI is typically cheaper than FHA MIP and eventually drops off. We run both scenarios for every client.

Can I use a conventional loan for an investment property?

Yes — conventional loans allow investment properties up to 4 units. Down payment requirements are higher (15-25% for investment) but rates and terms are still competitive.

What is the HomeReady program and who qualifies?

HomeReady is a Fannie Mae program for low-to-moderate income borrowers. 3% down, no MI price adjustment, and income must be at or below 80% of Area Median Income. Great for Bay Area buyers in qualifying census tracts.

Can I get a conventional loan with a recent bankruptcy?

Most conventional programs require 4 years from Chapter 7 discharge or 2 years from Chapter 13 discharge. We work with lenders who apply the minimum waiting periods.

What is a high balance conforming loan in the Bay Area?

In high-cost areas like Fremont and the Bay Area, loan limits are higher than standard conforming. For 2026, the high balance limit for a 1-unit property is $1,249,125. These loans still get conventional rates — much cheaper than jumbo.

Get Your Best Conventional Rate Today

We shop 50+ lenders to find your lowest rate. Our yield spread advantage means you always get the best deal available. Serving Fremont, Bay Area, and all of California.

Apply Securely Now → Call 510-786-8739

CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · Rates subject to change without notice

Conventional Loans —The Gold Standard.