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Conforming Home Mortgage Loans

Conforming loans are mortgages that conform to financing limits set by the Federal Housing Finance Agency (FHFA) and meet underwriting guidelines set by Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Morgage Corporation) which are both government-sponsored enterprises.

These underwriting guidelines include caps on the size of the loan, as well as how much a borrower’s debt-to-income ratio can be. Conforming loans usually offer lower interest rates than non-conforming home loan mortgages.

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Conforming Home Mortgage Loan Advantages

  • Often easier to qualify for.
  • Can have a lower mortgage interest rate.
  • May offer a lower down payment in some cases.
  • Can also offer some wiggle room with your credit score in some cases.
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