Conventional Loans | Rob Nilsson II

Conventional Loans | Rob Nilsson II

Get competitive rates on conventional loans with down payments as low as 3%. No PMI with 20% down. Loan amounts up to $766,550. Apply with Rob Nilsson II today.

Conventional Loans Competitive Rates & Flexible Terms

What Are Conventional Loans?

See Your Savings

Conventional Loan Requirements

Credit Score

Debt Ratios

Down Payment

2026 Conforming Loan Limits

Most Areas

High-Cost Areas

Above Limit?

Conventional Loan Benefits

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

The most popular mortgage option for homebuyers with strong credit. Down payments as low as 3%, no PMI with 20% down, and loan amounts up to $766,550.

Conventional loans are mortgages not backed by a government agency like the FHA, VA, or USDA. Instead, they follow guidelines set by Fannie Mae and Freddie Mac. Because they are not government-insured, they often offer more flexibility and can be more cost-effective for borrowers with good credit and stable finances.

Compare your current loan estimate and discover how much you could save with a conventional loan.

Conventional loans have stricter requirements than government-backed loans, but offer better rates and terms for qualified borrowers.

Put down 20% or more to eliminate private mortgage insurance (PMI) completely.

Conventional conforming loan limits are set annually by the Federal Housing Finance Agency (FHFA).

If your loan amount exceeds the conforming limits, you may need a jumbo loan or high-balance conventional loan.

See why conventional loans are the most popular mortgage choice for qualified homebuyers.

Get answers to the most common questions about conventional loans

Let me help you find the perfect conventional loan with a competitive rate and terms that fit your budget.

Low Rates, Transparency, & No Hassle

Professional mortgage services tailored to your unique financial goals.

Quick Links

Contact

(262) 300-5550

NMLS#

Powered by Fisherman Mortgage Services

Company NMLS#

<a href="https: <a href="https:

Your Mortgage Broker Pro | Powered by Fisherman Mortgage Services NMLS 2398246

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly. As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.

These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.

Fisherman Mortgage Services is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Fisherman Mortgage Services will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.

For information directly from HUD/FHA, visit <a href="https: For information directly from the VA, visit <a href="http: For information directly from the USDA, visit <a href="https: For more information on the ECOA, visit <a href="https:

&copy;

• navigate(l.path)} className="text-sm font-medium transition-colors hover:opacity-70" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/loan-estimate-analyzer')} className="text-sm font-medium transition-colors hover:opacity-70" style= >Analyze Your LE
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors inline-flex items-center justify-center text-center" style= >Check Your Rate
• navigate('/loan-estimate-analyzer')} className="w-full text-white py-3 rounded-lg font-medium hover:shadow-lg transition-all inline-flex items-center justify-center text-center" style= >Analyze Your LE
• navigate('/jumbo-loans')} className="w-full py-3 rounded-lg font-medium transition-all inline-flex items-center justify-center text-center border-2" style= >Learn About Jumbo Loans
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift inline-flex items-center" style= >Contact Me Today
• navigate(link.path)} className="block text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Traditional Mortgage Financing Conventional Loans Competitive Rates & Flexible Terms The most popular mortgage option for homebuyers with strong credit. Down payments as low as 3%, no PMI with 20% down, and loan amounts up to $766,550. Check Your Rate What Are Conventional Loans? Conventional loans are mortgages not backed by a government agency like the FHA, VA, or USDA. Instead, they follow guidelines set by Fannie Mae and Freddie Mac. Because they are not government-insured, they often offer more flexibility and can be more cost-effective for borrowers with good credit and stable finances. See Your Savings Compare your current loan estimate and discover how much you could save with a conventional loan. Analyze Your LE Conventional Loan Requirements Conventional loans have stricter requirements than government-backed loans, but offer better rates and terms for qualified borrowers. Credit Score Debt Ratios Down Payment First-Time Buyers 3% Minimum Repeat Buyers 5% Minimum Put down 20% or more to eliminate private mortgage insurance (PMI) completely. 2026 Conforming Loan Limits Conventional conforming loan limits are set annually by the Federal Housing Finance Agency (FHFA). Most Areas High-Cost Areas Above Limit? If your loan amount exceeds the conforming limits, you may need a jumbo loan or high-balance conventional loan. Learn About Jumbo Loans Conventional Loan Benefits See why conventional loans are the most popular mortgage choice for qualified homebuyers. Frequently Asked Questions Get answers to the most common questions about conventional loans Ready to Get Started? Let me help you find the perfect conventional loan with a competitive rate and terms that fit your budget. Contact Me Today Low Rates, Transparency, & No Hassle Professional mortgage services tailored to your unique financial goals. Quick Links Contact (262) 300-5550 Powered by Fisherman Mortgage Services Your Mortgage Broker Pro | Powered by Fisherman Mortgage Services NMLS 2398246 It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly. As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. Fisherman Mortgage Services is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Fisherman Mortgage Services will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For information directly from HUD/FHA, visit &copy; {branding.privacyPolicyUrl && Privacy Policy
• Terms of Service