Conventional loans are one of the most widely used mortgage options in Texas, offering flexibility, broad property eligibility, and stable long‑term financing for a wide range of homebuyers.
These loans follow established national guidelines and provide a dependable path to homeownership.
Eligible for primary residences, second homes, and investment properties.
Conventional financing does not require an initial mortgage insurance charge.
If monthly mortgage insurance applies, it may be removed once sufficient equity is reached.
Choose from a variety of repayment terms and loan formats to match your long‑term goals.
Works with single‑family homes, condos, townhomes, and eligible 2–4 unit primary residences.
Conventional loans follow established guidelines that help create a predictable approval process.
Conventional programs include features designed to support first‑time buyers, including down payment options starting at 3% on eligible one‑unit properties. These programs help make homeownership more accessible while maintaining strong long‑term stability.
For buyers interested in building future income potential, conventional financing may allow down payments starting at 5% for eligible 2–4 unit primary residences. This option provides a path to homeownership with the potential benefit of rental income from additional units.
Conventional loans offer broad flexibility, clear guidelines, and strong long‑term stability, making them a trusted option for homebuyers across Texas. Whether you're purchasing your first home or expanding your real estate portfolio, conventional financing provides a solid foundation for achieving your goals.
Talk to Kay about your options — one conversation, no obligation.
📞 Call 817-456-3555 Apply NowThis is not a commitment to lend. All loans are subject to credit approval, property eligibility, and program guidelines. Terms and conditions may change without notice. Not all applicants will qualify.
We are an Equal Housing Lender. Housing discrimination is prohibited by federal law.
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Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending. Forms and instructions are available at www.sml.texas.gov.