Looking for a Conventional Home Loan in Texas that balances flexibility, competitive rates, and fewer constraints? At Bartling Lending, brokered by Adam Bartling, we offer conventional mortgages that follow Fannie Mae and Freddie Mac guidelines — giving you access to great terms without government-backed restrictions.
A conventional loan is a mortgage not insured or guaranteed by government programs (FHA, VA, USDA). These are backed by private lenders under rules set by Fannie Mae or Freddie Mac. Because they’re not tied to government insurance, they often come with more flexibility, especially for borrowers who meet certain credit and financial benchmark requirements.
Minimum 620 FICO score required, but 740+ scores receive the best interest rates
As low as 3% for first-time homebuyers
Generally capped at 45%, though some lenders may allow up to 50% with strong compensating factors
In most Texas counties: $726,200 (2024) for single-family homes
Required if down payment is less than 20%, can be removed once you reach 20% equity
At Bartling Lending, we don’t just originate loans — we partner with you to make sure your conventional mortgage works for your goals. Here’s how we help:
Aim for a score of 740+ to qualify for the best interest rates. Pay down credit card balances, avoid new credit applications, and resolve any credit report errors.
A 20% down payment allows you to avoid PMI altogether, resulting in lower monthly payments and potentially better interest rates.
Pay down existing debts to improve your DTI ratio, making you more attractive to lenders and potentially qualifying you for better loan terms.
Schedule a consultation to determine which programs you qualify for in your area.
1700 Walger Avenue, Rosenberg, Texas 77471, United States
Schedule a Meeting: https://calendly.com/adam-j-bartling/30min
713-301-0007 Adam@BartlingLending.com
Copyright © 2023 Bartling Lending Partners - All Rights Reserved