Conventional Loans

A conventional loan is a type of mortgage that is not insured or guaranteed by a government agency, such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). Instead, conventional loans are offered by private lenders, such as banks, credit unions, or mortgage companies, and they often conform to the guidelines set by government-sponsored enterprises like Fannie Mae and Freddie Mac. Listed below are the Conventional Loan guidelines for a Primary Home, Single Family Residence Owner Occupied.


“An awesome experience with Capitol Direct Lending; they are hands-on and deliver results. I appreciate the assistance provided as they understand my client’s needs and work to address their lending requirements. I highly recommend working with Capitol Direct Lending; allowing them to come alongside creating solutions. “

– Chuck Townsend, Realtor

Conventional Loans

A conventional loan is a type of mortgage that is not insured or guaranteed by a government agency, such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). Instead, conventional loans are offered by private lenders, such as banks, credit unions, or mortgage companies, and they often conform to the guidelines set by government-sponsored enterprises like Fannie Mae and Freddie Mac. Listed below are the Conventional Loan guidelines for a Primary Home, Single Family Residence Owner Occupied.

Conventional Loan Eligibility: Unlock the Door to Your Dream Home – Fast & Easy!

  • Property must be 1-4 Units.

  • 620 Minimum Credit Score.

  • 97% Max Loan-To-Value (LTV)

  • 3.5% Minimum Down payment.

  • Borrow up to your county's Loan limit.

  • 49% Maximum Debt-To-Income Ratio.

  • 20% Down payment = No Private mortgage insurance (PMI)

Unlock the Power of Conventional Loans: Benefits of a Conventional Compared to Others

  • Lower overall Loan costs.

  • Down payments as low as 3%.

  • Not Subject to Government Requirements.

  • Flexibility with property condition & requirements.

  • No Private Mortgage Insurance with 20% Down payment.

  • Variety of term lengths (10 year, 15 year, 20 year, 30 year)

Capitol Direct Lending

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All Rights Reserved.

NMLS #1140264 DRE #01947982

About Us

Capitol Direct Lending

©Copyright . CAPITOL DIRECT LENDING.

All Rights Reserved.

NMLS #1140264 BRE #01947982