Reviewed by Ahoo Khalessi, Division Manager & Loan Officer, NMLS #2239510 · Last updated June 2026
Conforming vs. jumbo
Conforming loans fit Fannie Mae and Freddie Mac limits. Jumbo loans exceed those limits and typically carry their own underwriting and reserve requirements.
When conventional is the right fit
Strong credit, documented income, and standard property types often qualify for conventional pricing better than government programs.
Why CTC Equity
We're an EMC Conventional Specialist — we shop your conventional or jumbo file across 160+ lenders to find the most competitive total cost.
Common questions
What credit score do I need for a conventional loan?+
Conventional programs generally favor higher credit scores; the exact minimum depends on the loan type and down payment.
What is a jumbo loan?+
A conventional loan that exceeds the local Fannie Mae / Freddie Mac conforming loan limit.
Can I use a conventional loan for investment property?+
Yes — and if income documentation is the constraint, ask about DSCR.
Related
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