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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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July 30 , 2015

Jeremy always gets the job done well and on time without worry and stress. - Sally Chaplin

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5 stars on 5/18/2018

We were very impressed with Jeremy McMichael’s thorough and punctual assistance throughout the process of our new home purchase. His knowledge was very evident in how he was able to answer our questions and guide us to next steps. He made the process very easy!

5 stars on 5/18/2018

Jeremy was so helpful during our home search and buying process. He was always available for questions (I had a lot!) and was very quick at turning around information. Jeremy made purchasing our new home a seamless process. I would highly recommend him to anyone who is in the process of looking to finance a home.

5 stars on 5/9/2018

Jeremy had great communication and accomplished everything I would have expected a good mortage lender to accomplish. There were no surprises or issues. Highly recommended!

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