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Texas Conventional Loans

What are Conventional Loans and Conforming Loans?
By definition, a Conventional Loan is any mortgage that is not guaranteed or insured by the federal government. A conventional loan is generally referring to a mortgage loan that follows the guidelines of government sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac. Conventional loans may be either "conforming" and "non-conforming". Conforming loans follow the terms and conditions set by Fannie Mae and Freddie Mac. Nonconforming loans don't meet Fannie Mae or Freddie Mac guidelines, but they are also considered conventional.


What factors determine if I am eligible for a Conventional Conforming Loan in Texas?
To be eligible for a Conforming Loan in Texas, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be considered. At least a 620 FICO credit score is generally required to obtain a conventional conforming loan approval. You must also have enough income to pay your housing costs plus all additional monthly debt.

What is the maximum amount that I can borrow?
The maximum amount for a Conventional Loan in Texas is determined by:

Maximum Loan Amount: The maximum loan amount allowed for a Conventional Conforming Loan varies from county to county. The highest maximum Conventional Conforming right now is $729,750. The lowest maximum Conventional Mortgage amount available in any county is $417,000. To see what the limit is in the county in which you're interested, visit the following site https://www.efanniemae.com/sf/refmaterials/loanlimits/. This site lists U.S. territories as well as states.

Maximum financing: In Texas, the maximum Conventional Mortgage amount will be 80% - 95% of the appraised value of the home or its selling price, whichever is lower.

How much money will I need for the down payment and closing costs?
Conventional Home Mortgage Loans require the home buyer to invest at least 5% - 20% of the sales price in cash for the down payment and closing costs. If the sales price is $100,000 for example, the home buyer must invest at least $5,000 - $20,000.

What property types are allowed for Conventional Conforming Mortgages?
Conventional Mortgage Guidelines allow you to purchase warrantable condos, planned unit developments, modular homes, manufactured homes, and 1-4 family residences. Conventional Loans can be used to finance primary residences, second homes and investment property.

Learn more about Conventional Mortgages.

View Home Loan Comparison.

What types of refinance programs do Conventional Loans offer in Texas?
There are two main types of Conventional Refinance loans available in Texas.

Conventional Rate/Term Refinance
Conventional Rate/Term Refinancing Loans are for borrowers who currently have conventional fixed rate homeowner loans or ARM mortgages and wish to refinance into a Conventional Mortgage. This program helps borrowers who wish to have a stable, Conventional insured fixed rate mortgage.

Cash-Out Refinance
An Conventional Cash Out Refinance is perfect for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.


What factors determine if I am eligible for a Conventional Refinance Loan?
To meet Conventional refinance loan requirements in Texas, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be considered. You must be able to cover closing costs and have enough income to pay your monthly debt.

More information about Conventional Refinance

Complete Online Application

Additional lender offers.

Texas Conventional Mortgage Limits by County
Updated 05/05/2009
County Name MSA Name        
Single
   Duplex      Triplex     Fourplex
ANDERSON, TX PALESTINE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
ANDREWS, TX ANDREWS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
ANGELINA, TX LUFKIN, TX (MICRO) $417,000 $533,850 $645,300 $801,950
ARANSAS, TX CORPUS CHRISTI, TX (MSA) $417,000 $533,850 $645,300 $801,950
ARCHER, TX WICHITA FALLS, TX (MSA) $417,000 $533,850 $645,300 $801,950
ARMSTRONG, TX AMARILLO, TX (MSA) $417,000 $533,850 $645,300 $801,950
ATASCOSA, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
AUSTIN, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
BAILEY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BANDERA, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
BASTROP, TX AUSTIN-ROUND ROCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
BAYLOR, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BEE, TX BEEVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
BELL, TX KILLEEN-TEMPLE-FORT HOOD, TX (MSA) $417,000 $533,850 $645,300 $801,950
BEXAR, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
BLANCO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BORDEN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BOSQUE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BOWIE, TX TEXARKANA, TX-TEXARKANA, AR (MSA) $417,000 $533,850 $645,300 $801,950
BRAZORIA, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
BRAZOS, TX COLLEGE STATION-BRYAN, TX (MSA) $417,000 $533,850 $645,300 $801,950
BREWSTER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BRISCOE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BROOKS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
BROWN, TX BROWNWOOD, TX (MICRO) $417,000 $533,850 $645,300 $801,950
BURLESON, TX COLLEGE STATION-BRYAN, TX (MSA) $417,000 $533,850 $645,300 $801,950
BURNET, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CALDWELL, TX AUSTIN-ROUND ROCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
CALHOUN, TX VICTORIA, TX (MSA) $417,000 $533,850 $645,300 $801,950
CALLAHAN, TX ABILENE, TX (MSA) $417,000 $533,850 $645,300 $801,950
CAMERON, TX BROWNSVILLE-HARLINGEN, TX (MSA) $417,000 $533,850 $645,300 $801,950
CAMP, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CARSON, TX AMARILLO, TX (MSA) $417,000 $533,850 $645,300 $801,950
CASS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CASTRO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CHAMBERS, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
CHEROKEE, TX JACKSONVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
CHILDRESS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CLAY, TX WICHITA FALLS, TX (MSA) $417,000 $533,850 $645,300 $801,950
COCHRAN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
COKE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
COLEMAN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
COLLIN, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
COLLINGSWORTH, TX NON-METRO $417,000 $533,850 $645,300 $801,950
COLORADO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
COMAL, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
COMANCHE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CONCHO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
COOKE, TX GAINESVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
CORYELL, TX KILLEEN-TEMPLE-FORT HOOD, TX (MSA) $417,000 $533,850 $645,300 $801,950
COTTLE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CRANE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CROCKETT, TX NON-METRO $417,000 $533,850 $645,300 $801,950
CROSBY, TX LUBBOCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
CULBERSON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
DALLAM, TX NON-METRO $417,000 $533,850 $645,300 $801,950
DALLAS, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
DAWSON, TX LAMESA, TX (MICRO) $417,000 $533,850 $645,300 $801,950
DEAF SMITH, TX HEREFORD, TX (MICRO) $417,000 $533,850 $645,300 $801,950
DELTA, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
DENTON, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
DE WITT, TX NON-METRO $417,000 $533,850 $645,300 $801,950
DICKENS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
DIMMIT, TX NON-METRO $417,000 $533,850 $645,300 $801,950
DONLEY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
DUVAL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
EASTLAND, TX NON-METRO $417,000 $533,850 $645,300 $801,950
ECTOR, TX ODESSA, TX (MSA) $417,000 $533,850 $645,300 $801,950
EDWARDS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
ELLIS, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
EL PASO, TX EL PASO, TX (MSA) $417,000 $533,850 $645,300 $801,950
ERATH, TX STEPHENVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
FALLS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FANNIN, TX BONHAM, TX(MICRO) $417,000 $533,850 $645,300 $801,950
FAYETTE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FISHER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FLOYD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FOARD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FORT BEND, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
FRANKLIN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FREESTONE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
FRIO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
GAINES, TX NON-METRO $417,000 $533,850 $645,300 $801,950
GALVESTON, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
GARZA, TX NON-METRO $417,000 $533,850 $645,300 $801,950
GILLESPIE, TX FREDERICKSBURG, TX (MICRO) $417,000 $533,850 $645,300 $801,950
GLASSCOCK, TX NON-METRO $417,000 $533,850 $645,300 $801,950
GOLIAD, TX VICTORIA, TX (MSA) $417,000 $533,850 $645,300 $801,950
GONZALES, TX NON-METRO $417,000 $533,850 $645,300 $801,950
GRAY, TX PAMPA, TX (MICRO) $417,000 $533,850 $645,300 $801,950
GRAYSON, TX SHERMAN-DENISON, TX (MSA) $417,000 $533,850 $645,300 $801,950
GREGG, TX LONGVIEW, TX (MSA) $417,000 $533,850 $645,300 $801,950
GRIMES, TX NON-METRO $417,000 $533,850 $645,300 $801,950
GUADALUPE, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
HALE, TX PLAINVIEW, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HALL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HAMILTON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HANSFORD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HARDEMAN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HARDIN, TX BEAUMONT-PORT ARTHUR, TX (MSA) $417,000 $533,850 $645,300 $801,950
HARRIS, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
HARRISON, TX MARSHALL, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HARTLEY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HASKELL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HAYS, TX AUSTIN-ROUND ROCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
HEMPHILL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HENDERSON, TX ATHENS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HIDALGO, TX MCALLEN-EDINBURG-MISSION, TX (MSA) $417,000 $533,850 $645,300 $801,950
HILL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HOCKLEY, TX LEVELLAND, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HOOD, TX GRANBURY, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HOPKINS, TX SULPHUR SPRINGS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HOUSTON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HOWARD, TX BIG SPRING, TX (MICRO) $417,000 $533,850 $645,300 $801,950
HUDSPETH, TX NON-METRO $417,000 $533,850 $645,300 $801,950
HUNT, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
HUTCHINSON, TX BORGER, TX (MICRO) $417,000 $533,850 $645,300 $801,950
IRION, TX SAN ANGELO, TX (MSA) $417,000 $533,850 $645,300 $801,950
JACK, TX NON-METRO $417,000 $533,850 $645,300 $801,950
JACKSON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
JASPER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
JEFF DAVIS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
JEFFERSON, TX BEAUMONT-PORT ARTHUR, TX (MSA) $417,000 $533,850 $645,300 $801,950
JIM HOGG, TX NON-METRO $417,000 $533,850 $645,300 $801,950
JIM WELLS, TX ALICE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
JOHNSON, TX FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
JONES, TX ABILENE, TX (MSA) $417,000 $533,850 $645,300 $801,950
KARNES, TX NON-METRO $417,000 $533,850 $645,300 $801,950
KAUFMAN, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
KENDALL, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
KENEDY, TX KINGSVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
KENT, TX NON-METRO $417,000 $533,850 $645,300 $801,950
KERR, TX KERRVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
KIMBLE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
KING, TX NON-METRO $417,000 $533,850 $645,300 $801,950
KINNEY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
KLEBERG, TX KINGSVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
KNOX, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LAMAR, TX PARIS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
LAMB, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LAMPASAS, TX KILLEEN-TEMPLE-FORT HOOD, TX (MSA) $417,000 $533,850 $645,300 $801,950
LA SALLE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LAVACA, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LEE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LEON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LIBERTY, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
LIMESTONE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LIPSCOMB, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LIVE OAK, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LLANO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LOVING, TX NON-METRO $417,000 $533,850 $645,300 $801,950
LUBBOCK, TX LUBBOCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
LYNN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MCCULLOCH, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MCLENNAN, TX WACO, TX (MSA) $417,000 $533,850 $645,300 $801,950
MCMULLEN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MADISON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MARION, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MARTIN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MASON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MATAGORDA, TX BAY CITY, TX (MICRO) $417,000 $533,850 $645,300 $801,950
MAVERICK, TX EAGLE PASS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
MEDINA, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
MENARD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MIDLAND, TX MIDLAND, TX (MSA) $417,000 $533,850 $645,300 $801,950
MILAM, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MILLS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MITCHELL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MONTAGUE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MONTGOMERY, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
MOORE, TX DUMAS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
MORRIS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
MOTLEY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
NACOGDOCHES, TX NACOGDOCHES, TX (MICRO) $417,000 $533,850 $645,300 $801,950
NAVARRO, TX CORSICANA, TX (MICRO) $417,000 $533,850 $645,300 $801,950
NEWTON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
NOLAN, TX SWEETWATER, TX (MICRO) $417,000 $533,850 $645,300 $801,950
NUECES, TX CORPUS CHRISTI, TX (MSA) $417,000 $533,850 $645,300 $801,950
OCHILTREE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
OLDHAM, TX NON-METRO $417,000 $533,850 $645,300 $801,950
ORANGE, TX BEAUMONT-PORT ARTHUR, TX (MSA) $417,000 $533,850 $645,300 $801,950
PALO PINTO, TX MINERAL WELLS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
PANOLA, TX NON-METRO $417,000 $533,850 $645,300 $801,950
PARKER, TX FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
PARMER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
PECOS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
POLK, TX NON-METRO $417,000 $533,850 $645,300 $801,950
POTTER, TX AMARILLO, TX (MSA) $417,000 $533,850 $645,300 $801,950
PRESIDIO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
RAINS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
RANDALL, TX AMARILLO, TX (MSA) $417,000 $533,850 $645,300 $801,950
REAGAN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
REAL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
RED RIVER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
REEVES, TX PECOS, TX (MICRO) $417,000 $533,850 $645,300 $801,950
REFUGIO, TX NON-METRO $417,000 $533,850 $645,300 $801,950
ROBERTS, TX PAMPA, TX (MICRO) $417,000 $533,850 $645,300 $801,950
ROBERTSON, TX COLLEGE STATION-BRYAN, TX (MSA) $417,000 $533,850 $645,300 $801,950
ROCKWALL, TX DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
RUNNELS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
RUSK, TX LONGVIEW, TX (MSA) $417,000 $533,850 $645,300 $801,950
SABINE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SAN AUGUSTINE, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SAN JACINTO, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
SAN PATRICIO, TX CORPUS CHRISTI, TX (MSA) $417,000 $533,850 $645,300 $801,950
SAN SABA, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SCHLEICHER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SCURRY, TX SNYDER, TX (MICRO) $417,000 $533,850 $645,300 $801,950
SHACKELFORD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SHELBY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SHERMAN, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SMITH, TX TYLER, TX (MSA) $417,000 $533,850 $645,300 $801,950
SOMERVELL, TX GRANBURY, TX (MICRO) $417,000 $533,850 $645,300 $801,950
STARR, TX RIO GRANDE CITY-ROMA, TX (MICRO) $417,000 $533,850 $645,300 $801,950
STEPHENS, TX NON-METRO $417,000 $533,850 $645,300 $801,950
STERLING, TX NON-METRO $417,000 $533,850 $645,300 $801,950
STONEWALL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SUTTON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
SWISHER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
TARRANT, TX FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
TAYLOR, TX ABILENE, TX (MSA) $417,000 $533,850 $645,300 $801,950
TERRELL, TX NON-METRO $417,000 $533,850 $645,300 $801,950
TERRY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
THROCKMORTON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
TITUS, TX MOUNT PLEASANT, TX (MICRO) $417,000 $533,850 $645,300 $801,950
TOM GREEN, TX SAN ANGELO, TX (MSA) $417,000 $533,850 $645,300 $801,950
TRAVIS, TX AUSTIN-ROUND ROCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
TRINITY, TX NON-METRO $417,000 $533,850 $645,300 $801,950
TYLER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
UPSHUR, TX LONGVIEW, TX (MSA) $417,000 $533,850 $645,300 $801,950
UPTON, TX NON-METRO $417,000 $533,850 $645,300 $801,950
UVALDE, TX UVALDE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
VAL VERDE, TX DEL RIO, TX (MICRO) $417,000 $533,850 $645,300 $801,950
VAN ZANDT, TX NON-METRO $417,000 $533,850 $645,300 $801,950
VICTORIA, TX VICTORIA, TX (MSA) $417,000 $533,850 $645,300 $801,950
WALKER, TX HUNTSVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
WALLER, TX HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA) $417,000 $533,850 $645,300 $801,950
WARD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
WASHINGTON, TX BRENHAM, TX (MICRO) $417,000 $533,850 $645,300 $801,950
WEBB, TX LAREDO, TX (MSA) $417,000 $533,850 $645,300 $801,950
WHARTON, TX EL CAMPO, TX (MICRO) $417,000 $533,850 $645,300 $801,950
WHEELER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
WICHITA, TX WICHITA FALLS, TX (MSA) $417,000 $533,850 $645,300 $801,950
WILBARGER, TX VERNON, TX (MICRO) $417,000 $533,850 $645,300 $801,950
WILLACY, TX RAYMONDVILLE, TX (MICRO) $417,000 $533,850 $645,300 $801,950
WILLIAMSON, TX AUSTIN-ROUND ROCK, TX (MSA) $417,000 $533,850 $645,300 $801,950
WILSON, TX SAN ANTONIO, TX (MSA) $417,000 $533,850 $645,300 $801,950
WINKLER, TX NON-METRO $417,000 $533,850 $645,300 $801,950
WISE, TX FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION $417,000 $533,850 $645,300 $801,950
WOOD, TX NON-METRO $417,000 $533,850 $645,300 $801,950
YOAKUM, TX NON-METRO $417,000 $533,850 $645,300 $801,950
YOUNG, TX NON-METRO $417,000 $533,850 $645,300 $801,950
ZAPATA, TX NON-METRO $417,000 $533,850 $645,300 $801,950
ZAVALA, TX NON-METRO $417,000 $533,850 $645,300 $801,950


More Information on Conventional Mortgages and Conventional Refinance

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 Why choose a Conventional Loan?

  • Texas Conventional Mortgages are likely the best home loan for borrowers with excellent credit and a substantial down payment.
  • There are no prepayment penalties for a Conventional Conforming Mortgage.
  • A Conforming Loan can be used in Texas for the purchase of a Primary Residence, Second Home or Investment Property.
  • A Conventional Mortgage is available all areas of Texas, provided a market exists for the property and the home meets minimum property standards.
  • A Conforming Loan may be used to purchase or refinance a new or existing one to four family home in urban and rural areas of Texas, including manufactured homes on permanent foundations.
  • A Conventional house loan can be offered at terms of 10, 15, 20, 25, 30 and 40 years. The terms of 15 and 30 years often carry the lowest interest rates.



. What types of Conventional Mortgages are available in Texas?

Fixed Rate Mortgage
Most Conventional Mortgages are fixed-rate mortgages. In a fixed rate mortgage, your interest rate stays the same for the entire loan period. With a fixed rate Conventional Mortgage, you always know exactly how much your monthly payment will be. Contact us for today's free Conventional mortgage rates.

Adjustable Rate Mortgage
With a conventional adjustable rate mortgage (ARM), the initial interest rate and monthly payments are low, but these may change during the life of the loan. Conventional Loans mainly use the Constant Maturity Treasury Index (CMT) or the London Interbank Offered Rate Index (LIBOR) to calculate the changes in interest rates. Conventional ARMS are offered with initial fixed rate periods of 3 years, 5 years, 7 years and 10 years.

 Conventional Refinance Programs

Conventional Rate/Term Refinance
Conventional Rate/Term Refinance Mortgage Loans are for for borrowers who currently have a conventional fixed rate or ARM mortgage. This program helps those who are refinancing a loan and wish to refinance into a stable, Conventional Mortgage.

Cash-Out Refinance
Conventional Cash Out Refinance loans are perfect refinancing home equity loans for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.




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