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Mortgage Program Options

 

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 Rates subject to change without notice

 Conforming Loan amounts up to $647,200 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

Conforming Mortgage Rates

Conforming Mortgage Programs

The Conforming Mortgage Program [ also known as Conventional ] is a great option when you are looking to purchase a new home as a primary residence, second home or investment property. These types of loans are generally below the standard conventional loan limit of $647,200 in 2022 for a single family residence and make up the majority of home loans sold in America today. There are also established guidelines required for credit scores, income, work history, and minimum down payments.

What Are the Advantages of Conforming Mortgages?

  • Gift funds OK
  • Minimum down payment of 3%
  • No prepayment penalty ever
  • 30yr, 25yr, 20yr, 15yr, or 10yr
  • Up to 50% debt to income ratio
  • With or without mortgage insurance

What Are the Requirements?

  • Minimum credit score 620
  • Debt to income ratio under 50%
  • Minimum down payment of 3% for HomeReady and 5% for traditional 
  • Down payment must be verified 
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2022 Conforming Loan Limits

The standard conventional loan limit for 2021 is $647,200. A qualifying refinance applicant can open a loan for at least this amount anywhere in the country. But Fannie and Freddie allow higher limits in some areas. Homeowners in areas with high housing costs should check their conventional loan limit before they assume they need a jumbo loan.

Click here for a complete list of 2021 conforming loan limits.

Fannie Mae HomeReady 3% Down Payment

HomeReady is a fixed-rate, affordable housing program for creditworthy, low-to-moderate income borrowers offering up to 97% financing.


Freddie Mac Home Possible 3% Down Payment

Designed for low-to-moderate income home-buyers and/or individuals purchasing or refinancing properties in target areas. Maximum financing and minimum credit score requirements are determined based on the loan product type.

LEARN MORE ABOUT OUR 3% DOWN PAYMENT PROGRAM

When you are ready to get started with the home buying process, we are experts to guide you through the entire process, the first step is getting you pre-approved. You can click on the button below or apply online; if you prefer to speak with one of our Home Buyer Experts, we would be happy to speak with you at 888 259 2257.

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Copyright © 2022 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Fidelity Home Group is a Mortgage Corporation serving the state of Florida. Not intended for legal or financial advice, consult your own professionals if such advice is sought. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties in the state of New York will be accepted through this site. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile Policy |  Fair Lending Policy  |  File a Complaint  |  Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use 
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Fidelity Home Group
4700 Millenia Blvd Suite 175, Orlando, FL 32839

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Monday - Friday 8am to 7pm EST
Saturday - Sunday 10am to 6 pm EST