Conforming Home Mortgage Loans
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Conforming Home Mortgage Loans
A conforming loan is a mortgage that meets the loan limits set by the Federal Housing Finance Agency (FHFA) and follows the underwriting guidelines of Fannie Mae (FNMA) and Freddie Mac (FHLMC)—both government-sponsored enterprises.
Key Features of Conforming Loans:
Loan Limits: Must stay within the FHFA’s set limits, which vary by location.
Debt-to-Income Ratio: Borrowers must meet specific financial criteria to qualify.
Lower Interest Rates: Typically offers more competitive rates compared to non-conforming loans, making homeownership more affordable.
If you’re looking for a mortgage with lower interest rates and flexible terms, a conforming loan could be the perfect solution! Let’s discuss your options today.
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Jeremy Klinker
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RateShop
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