Conventional Home Loan

Home Buying Made Simple With HomeXpress Direct

HomeXpress Mortgage is your go-to Direct Lender for Conventional Home Loans

Quality and Reliability: HomeXpress Direct's Conventional Home Loan Options

At HomeXpress Direct, we make the journey to homeownership seamless with our Conventional Mortgage options. These mortgages comply with Fannie Mae and Freddie Mac guidelines, ensuring a high standard of quality and reliability.

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Conventional Home Loans from Homexpress Direct

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Conventional Home Loan FAQs

Xpress Direct Conventional Home Loan Solutions

Experience the predictability of fixed monthly payments with our Fixed-Rate Conventional Home Loan. This option offers stability, making it easier to plan your finances over the long term. With fixed interest rates, you can enjoy consistent payments and peace of mind throughout the life of your loan.

A conventional fixed-rate home loan is one of the most common home loans. The monthly principal and interest payment won’t change for the life of the loan, so you get a consistent, predictable monthly payment. 

Anyone can apply for Conventional Loans —  whether you’re moving up to a larger home, downsizing, buying a vacation home, or buying for the first time. However, all applicants must meet certain loan requirements, including: 

  • Proof of employment history and verifiable income
  • A minimum credit score of 620 
  • A debt-to-income ratio (DTI) of 45% or less (see below)

Conventional home loans generally require higher credit scores (typically at least 620) and lower DTI ratios than government-backed mortgages such as FHA Loans. There are several ways to raise your credit score before applying for a mortgage.

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