Licensed loan originator serving Alabama, Louisiana, and Tennessee. First-time buyers, VA, FHA, USDA, and conventional loans — explained in plain English.
Conventional Loans
Conventional Loans The Flexible Choice
What Are Conventional Loans?
Programs that may fit
Conventional Loan Requirements
Credit Score
Down Payment
Debt-to-Income Ratios
2026 Conventional Loan Limits
Baseline (Most U.S. Areas)
High-Cost Areas
Alaska, Hawaii, Guam & USVI
Private Mortgage Insurance (PMI)
When PMI Is Required
PMI Removal Options
Frequently Asked Questions
Ready to Get Started?
LOAN PROGRAMS
A widely used home financing option with flexible terms and competitive rates for borrowers who meet conventional guidelines.
Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They can offer flexibility for borrowers with qualifying credit and stable income.
Quick Eligibility Check
Educational suggestions based on typical guidelines — not a credit decision, pre-approval, or a commitment to lend.
Conventional loans offer flexibility with competitive requirements for qualified borrowers.
Lower DTI ratios typically qualify for better interest rates and terms.
Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.
Understanding PMI helps you make informed decisions about down payments and monthly costs.
Get answers to common questions about conventional loans
Explore your conventional loan options and discuss financing that may fit your home purchase.
Helping you explore home loan options with clear information and personal guidance.
Quick Links
Contact
Cell:
Direct: (318) 374-1184
Jena, LA 71342 (by appointment only)
Kamron Kimbrough (<a href="https: <a href="https: and <a href="https: . Some images on this website may be AI-generated and are used solely for illustrative purposes.
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