Conventional Loans

You’re less than 5 minutes away from pre-qualifing for the home of your dreams

Houston Conventional Mortgage Loans

Conventional mortgages are the most common types of home loans in Houston and are insured by either Fannie Mae or Freddie Mac. Conventional mortgages can be both fixed mortgages or adjustable rate mortgages.

Conventional loans with less than 20% down require private mortgage insurance (commonly referred to as PMI). Since conventional loans are not insured by the federal government, there is no guarantee for the lender should the borrower default. This presents a higher risk for lenders and generally have more restrictive guidelines than government backed mortgages like FHA mortgages, USDA mortgages or VA mortgages.

Conventional Loan Pros

  • Higher Loan Limits than FHA
  • Up to $417,000 Loan Value
  • Adjustable-rate & Fixed-rate Available
  • 2nd Homes & Investment Properties
  • PMI cancels when LTV reaches %
  • Lower PMI Rates than FHA

Apply for Your Mortgage Today!

More about Houston Conventional Home Loans

The qualifying requirements for government-backed loans and conventional mortgages don’t differe much. However, it is still important to understand that conventional mortgages in Houston have more than enough advantages to compensate for their more restrictive qualifying conditions. First of all, conventional mortgage loans can be used for a much wider range of purchases.  A conventional home loan can be used on investment properties as well as a primary home. Investment properties are not allowed with VA and FHA mortgages. Understanding the intricacies of your Houston mortgage options requires an experienced professional.  We are here to help. 

Clients who talk about us

We love to hear from our Houston mortgage clients and Realtors® we’ve worked with over the years.  We appreciate the opportunity to work with our Houston community

Amazing! Had a super super experience. Thank you to all the staff for the help. My family and I are blessed and set for the next 15 years!!!!!

I didn’t think we would be able to buy a house until we met Dru,, he made the whole process easy and I am forever thankful to him.

Amazing customer service! Our loan officer was very attentive and kept us up to date every step of the way.  Thank You!

We’ve worked with ProLending on several deals and our business is always handled very efficiently and with outstanding customer service!

houstonmortgagelogolargewhite
foot-logo
Texas Complaint Recovery Notice

Address

  • 1560 Live Oak Street, Ste D. Webster. TX 77598
  • 281-557-3700
  • Fax: 832-213-0322
  • dru@prolendingmortgage.com

About Us

ProLending Mortgage
NMLS # 262563
RMLO – Dru Brents NMLS #234930

Office Hours:

Monday – Saturday
9:00am – 5:00pm
Saturday by Appointment

Close Menu