Who’s a Good Fit for Conventional
Buyers and refinancers who don’t need a government program to make the file work, including second homes and rentals. If down payment is the constraint, or a government program is the better box, look at FHA or VA.
It can be the house you live in, a second home, or a rental. FHA and VA are for a house you’ll live in.
I won’t print a credit-score floor on this page. Fannie’s automated underwrite stopped using a published minimum score in late 2025. The file still gets looked at. A score that works on one file can fail on another.
On a typical automated conventional file, total monthly debts usually need to stay at or under 50% of gross monthly income. That’s a ceiling, not a target, and it is not a pre-approval.
What I need from you
Income, assets, credit, and the property. Then we apply. Talk to me first if you want a second set of eyes on whether conventional is actually the right box.