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Credit, income, assets, and property — here is exactly what conventional lenders check.
Minimum 620. Best pricing at 740+. Late payments heavily weighted. Collections reviewed case-by-case.
Total debts should not exceed 50% of gross income. Best approval at 43% or below. Stricter than FHA (57%).
5% standard, 3% first-time buyers. 20% eliminates PMI. Larger down payment = better rate and easier approval.
Steady employment for 2 years. Self-employed need 2 years tax returns. Gaps under 6 months OK with explanation.
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"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank offered. Saved $180/month."
"Shopped 50+ lenders. Zero fees. Closed in 25 days on my investment property."
"Refinanced from FHA to conventional. Dropped MIP, rate went down. Saving $350/month."
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