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Conforming Home Loan Programs

Conforming loans or conventional as these programs are sometimes called are the mortgage loans with the best rates, but with the strictest underwriting guidelines. You must have excellent credit, verifiable income and assets, and money in reserves that is again verifiable. They are called conforming because the underwriting guidelines are the same from one lender to the next. These guidelines were established so that mortgages could be sold on the secondary market. They would be difficult to sell from one lender to another if each financial institution had their own guidelines. Conforming loans are available for the purchase or refinance of primary residences, second homes, and investment properties. These loans are available up to loan amounts of $417000. Loan amounts exceeding this threshold are considered Jumbo Loans and are priced differently.


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