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.
- Loan amounts up to $766,550—loan limits may be higher depending on the county limits
- Up to 95% loan-to-value financing
- Available for second homes and investment properties
- Gift funds may be contributed by parents or other family members
- A minimum credit score of 620
- A debt-to-income ratio (DTI) of 45% or less
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Conventional Home Loans from Homexpress Direct
- Conforming loan amounts up to $766,550
- Free Income Calculation Provided
- Down payments as low as 3%
- Fixed- and variable-rate terms
- Available for second homes and investment properties
- Private mortgage insurance (PMI) required for loans above 80% loan-to-value (LTV)
- Single family dwellings, condo, townhomes and 1-4 multiunit properties

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.