Programs
Conventional Standard

Conventional Standard

Min. FICO 620
Up to 95% CLTV

Program Overview:

The industry benchmark for borrowers seeking traditional fixed-rate security.

Broker Advantage:

  • Market Rates: The most competitive rates available for strong credit.
  • PMI Control: Eliminate PMI automatically at 20% equity.
  • The Waiver Winner: Skip the appraisal entirely for well-qualified scenarios.

Highlights:

  • FICO: Minimum 620.
  • LTV (Purchase): Up to 95%.
  • Ratios: Qualify up to 50% DTI.

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DSCR FAQ

Who is this program best for?

Borrowers with stable income and good credit.

What is the minimum down payment?

Typically 5%.

Are gift funds allowed?

Yes.

Is mortgage insurance required?

Required if under 20% down.

What properties are eligible?

Primary, second homes, and some investments.

Exlpore more Conventional Standard Loan Programs

Conventional HomeReady

Min. FICO 620
Up to 95% CLTV
  • Loan amounts up to $832,750
  • DTI ratios up to 50%
  • Primary residence only

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Contact Us
Weekdays 8 am to 9 pm EST
1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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