Conventional Home Loans in Texas
Conventional loans offer low down payment options and removable mortgage insurance for qualified Texas buyers.
What is a conventional loan?
Conventional loans aren't insured by a government agency. They follow Fannie Mae and Freddie Mac guidelines, and for buyers with solid credit they're often the lowest-cost option over the life of the loan.
Conventional loans can be used for primary homes, second homes and investment properties, which makes them one of the most flexible options available.
Talk to John
- NMLS #273975 · TX #273975
- 111 Maple Terrace, New Braunfels, TX 78132
- 512-738-2039
- [email protected]
As little as 3% down
Available for qualified buyers, including first-time buyers.
Removable mortgage insurance
With less than 20% down you'll have PMI, which can be removed once you reach enough equity.
Flexible property types
Primary homes, second homes and investment properties.
2026 conforming limit
$832,750 for a one-unit home in most counties. Above your county's limit, you'd look at a jumbo loan.
Conventional Home Loans FAQ
What credit score do I need for a conventional loan?
Conventional loans generally start around the 620 range, and better scores usually mean better pricing. John will review your credit and show you what moves the needle.
Do I need 20% down?
No. Many buyers put down 3% to 10%. Putting down 20% avoids PMI, but it isn't required.
Can I buy a second home or rental with a conventional loan?
Yes. Conventional loans can finance second homes and investment properties, with different down payment rules.
Is conventional better than FHA?
It depends on your credit, down payment and plans. John will put conventional and FHA side by side so you can compare.
Loan programs are subject to borrower qualification, underwriting approval, credit approval, and program availability. Not all borrowers will qualify.
Compare your options
Call John and he will put conventional and FHA side by side for you.
State Licenses
TX #273975
