Up to $806,500 for most one-unit homes, with higher limits available through high-balance and jumbo options.
Loan Programs
Conventional mortgage loans in Maryland, Virginia, and Washington, DC
TopOne Mortgage helps buyers and homeowners use flexible conforming financing with local guidance, clear pricing, and fast closings backed by in-house lending relationships.
A conventional loan is one of the most versatile ways to finance a home purchase, second home, or investment property. It follows Fannie Mae and Freddie Mac guidelines, which often means strong pricing, familiar underwriting, and more long-term flexibility than government-backed options.
620 and above can qualify, while stronger pricing usually starts with higher scores.
As low as 3 percent for eligible buyers, with cancellable PMI in many cases.
Commonly up to 45 percent, with some automated approvals allowing more.
Refinance Planning
Considering a refinance?
Use our Refinance Calculator to estimate your potential new payment, monthly savings, and break-even point.
Why Borrowers Choose This Program
Conventional Loan advantages at a glance.
- Low-down-payment options for qualified first-time buyers.
- No upfront mortgage insurance premium the way FHA loans require.
- Transparent pricing and local guidance on county taxes, transfer costs, and closing strategy.
- One loan officer from application through closing.
- Annual mortgage checkups to help identify PMI removal or refinance opportunities later.
- Strong fit for primary homes, second homes, and many investment property scenarios.
Frequently Asked Questions
Helpful detail before you apply.
What credit score do I need for a conventional loan?
Many lenders start at 620, though stronger pricing usually improves as scores rise.
How much do I need for a down payment?
Qualified first-time buyers can sometimes start at 3 percent down, while 5 to 20 percent is common depending on occupancy and loan size.
When can PMI be removed?
Mortgage insurance often drops automatically at 78 percent loan-to-value or can be removed by request around 80 percent if payment history and other conditions are met.
How fast can a conventional loan close?
A complete file often closes in 21 to 30 days, depending on appraisal and title timing.
Start The Process
Tell us a bit about your Conventional Loan scenario.
We will review your information, organize next steps, and tell you which documents will move the file forward fastest.
Explore More
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