The flexible standard — with more options than its name suggests.

Conventional Loans Texas | Low Down & Cancelable PMI

Conventional loans for Texas buyers with low-down-payment options, cancelable PMI, gifts, and clear credit and income guidance. NMLS #2252174.

The flexible standard — with more options than its name suggests.

Does conventional fit your file?

Choose the down payment, then watch the system move.

From automated findings to clear to close.

Put conventional beside the alternatives.

The conventional fine print.

Let’s find your best down-payment and PMI balance.

Programs

Conventional loans · Texas

Conventional loans can start at 3% down for eligible Texas buyers, reward stronger credit, and offer PMI that can cancel. Krissi compares the rate, insurance, reserves, and cash-to-close as one system.

Tap every box that’s true today. Most people surprise themselves.

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More down can reduce balance and PMI—but emptying savings is not automatically a win.

Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.

From first hello to keys, the typical arc — assuming the house-hunt cooperates.

Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.

Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.

Answered the way we’d answer a friend — including the parts that don’t favor us.

Twenty minutes, free, and specific to your numbers — not the internet’s.

Your Texas home loan specialist — VA, USDA, FHA, conventional, bank statement, and more. I’ll help you find the loan tailored to your needs.

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Mon–Sat · 8a–6p CT

· NMLS Consumer Access

This is not a commitment to lend. Any rates, payment figures, or examples shown on this site are illustrative only and may not include Annual Percentage Rate (APR). Actual rates and APR vary based on credit, loan program, property, and other factors, and may change without notice. Contact us for a personalized quote.

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