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Conventional Full Doc Mortgage - High Balance

Secure your dream home with a reliable, flexible, and competitive mortgage solution.

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What Makes a Conventional Full Doc Mortgage Stand Out?

A Conventional Full Doc Mortgage is one of the most popular home loan options, offering the flexibility to choose between fixed-rate and adjustable-rate (ARM) loans to suit your financial needs. Fixed-rate loans provide predictable payments over 10 to 30 years, while ARMs offer lower initial rates, ideal for short-term plans like moving or refinancing. Designed for qualified borrowers, this loan requires full income documentation, competitive rates, and down payments as low as 3%.

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    Competitive Rates

    Enjoy some of the best rates for borrowers with strong credit profiles (620+ FICO score).

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    Flexible Down Payment

    Start with as little as 3% down, making homeownership accessible.

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    Fixed or Adjustable Rates

    Choose fixed-rate for stability or ARM for lower initial payments.

Key Features of Conventional Full Doc Mortgages - High Balance

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    Loan Amounts $832,750 to $1,249,125 (Unit 1)

    High-balance loan limits enable you to finance homes in high-cost areas, providing flexibility within conforming loan guidelines for properties exceeding standard limits, with amounts varying by unit count.

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    Complete Income Verification

    Provide tax returns, W-2s, and pay stubs for a straightforward approval process tailored to qualified borrowers.

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    Flexible Terms

    Choose from 10-, 15-, 20-, or 30-year fixed-rate terms, or ARM options like 5/6, 7/6, or 10/6 to match your financial goals.

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    Credit Score of 620+

    Designed for borrowers with good credit, ensuring access to competitive rates and terms.

Is a Conventional Full Document Mortgage Right for You?

A Conventional Full Doc Mortgage is ideal if you have stable income, strong credit, and can provide full financial documentation. It typically offers competitive rates, lower overall costs, and greater flexibility compared to other loan types — making it a strong choice for well-qualified borrowers.

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