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Competitive rates, no upfront mortgage insurance, and the flexibility to finance your primary home, vacation home, or investment property. Available across Texas and Arkansas.
A conventional loan is a mortgage that is not insured or guaranteed by the federal government. Instead, it conforms to the guidelines set by Fannie Mae and Freddie Mac — the two largest buyers of mortgage loans in the U.S. Conventional loans are the most common type of mortgage and offer excellent terms for borrowers with good credit and stable income in Texas and Arkansas.
Unlike FHA loans, conventional loans have no upfront mortgage insurance premium — saving you 1.75% of the loan amount at closing.
Private mortgage insurance (PMI) automatically cancels once your equity reaches 22%, or you can request removal at 20%. FHA MIP stays for the life of the loan.
First-time buyers can put as little as 3% down with Fannie Mae HomeReady or Freddie Mac Home Possible programs.
Conforming loan limits for 2026 allow you to borrow more — standard limit is $766,550, with higher limits in some areas.
Finance primary residences, second homes, and investment properties. More property flexibility than government-backed loans.
Rosalyn reviews your credit, income, and assets to determine your buying power and the best conventional loan option for you.
Once you find your home, we lock in your interest rate to protect you from market fluctuations during the closing process.
Your application goes through underwriting while the property is appraised. Rosalyn keeps you informed at every step.
Sign your closing documents, receive your keys, and enjoy your new home — or investment property.
Whether it is your first home or your next investment, Rosalyn will find the best conventional loan option for your situation. Available in English and Spanish.