Conventional financing is often the most flexible path for borrowers with stable income and established credit. It can support primary homes, second homes and investment properties without government mortgage insurance rules.
Minimum down
As low as 3%
Typical credit
620+
2026 baseline limit
$832,750
Conventional financing is often the most flexible path for borrowers with stable income and established credit. It can support primary homes, second homes and investment properties without government mortgage insurance rules.
Published minimums are not an approval. Income stability, debts, credit history, assets, occupancy, property type and automated underwriting all affect the available terms. An HCMG loan officer can compare the complete scenario without presenting a one-size-fits-all answer.
Review the interest rate, APR, mortgage insurance or guarantee fees, closing costs, cash to close and payment-change risk. The lowest advertised payment is not necessarily the lowest-cost or safest option over the time you expect to own the home.
Adjust the assumptions, compare the payment components, and connect with a licensed loan officer when you are ready.
Loan Type
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No. The best loan depends on your finances, property, goals and available programs. Compare multiple eligible paths with a licensed loan officer.
Yes. HCMG's website estimate uses information you provide and does not itself perform a hard credit inquiry. A formal application and underwriting process are required for approval.
No. Rates, limits, fees and eligibility can change. Your loan officer will confirm the current terms and requirements for your property and application date.
