How to Qualify for a Conventional Loan in 2025

Are you a first time home buyer interested in buying a house using a conventional loan? This first time buyer guide will breakdown the Conventional Loan Requirements to give you everything you need to know about qualifying with a Conventional Loan in the 2025 Housing Market.

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Time Stamps 👇

0:00 - Intro
0:24 - What Is A Conventional Loan?
1:00 - What are the Income And Employment Guidelines For A Conventional Loan?
2:41 - What’s the minimum and maximum income requirements for Conventional?
3:28 - What are the Credit Score Requirements for Conventional Loans?
4:46 - What are the Down Payment Requirements for Conventional Loans?
6:08 - What are the mortgage insurance requirements?
6:50 - How Do You Get Mortgage Insurance Removed?
8:00 - Conventional Loan Limits for 2025
9:23 - How Does A Lender Calculate Your Debt To Income Ratio?
14:41 - What Documents Are Required For A Pre-Approval?
15:48 - What Loan Program Has The Best Interest Rates?
16:11 - What Are The Benefits Of A Conventional Loan?
16:55 - What Type Of Properties Can You Buy With A Conventional Loan?
17:13 - How Much Are Closing Costs With A Conventional Loan?
18:00 - When Should You Start The Pre-Approval Process?


Loan limit for standard and high balance conforming:

1 unit - $806,500 / $1,209,750
2 units -$1,032,650 / $1,548,975
3 units - $1,248,150 / $1,872,225
4 units - $1,551,250 / $2,326,875

Check the loan limits in your area:
https://singlefamily.fanniemae.com/me...

Jeb Smith
DRE 01407449
Real Broker

#HousingMarket2025 #RealEstate #FHA