Your Path to Homeownership Starts Here
Buying a home in Houston? A Conventional Loan may be the perfect way to make it happen. At Real Estate Capital Houston, we help homebuyers and investors secure the right financing to achieve their real estate goals — with a focus on personalized service, clear guidance, and competitive loan options.
Conventional loans are one of the most popular mortgage choices for Houston homeowners, offering flexibility, stability, and great long-term benefits.
A Conventional Loan is a mortgage not insured by the federal government. Instead, it follows the guidelines set by Fannie Mae and Freddie Mac, two government-sponsored enterprises that help keep mortgage rates stable and accessible.
These loans are ideal for borrowers with steady income, good credit, and a desire to build long-term equity — whether it’s for a primary residence, vacation home, or investment property in Houston or surrounding areas.
Put as little as 3% down for qualified buyers, or more to lower your monthly payment and avoid mortgage insurance sooner.
Unlike FHA loans, conventional loans don’t require an upfront mortgage insurance premium (UFMIP).
Private Mortgage Insurance (PMI) can be removed once you reach 20% equity, helping you save more over time.
Use a conventional loan to purchase single-family homes, condos, or investment properties anywhere in the Greater Houston area.
Already own a home? Refinance your conventional loan to lower your interest rate or shorten your term.
While every borrower’s situation is unique, here are some general guidelines for conventional loan approval:
At Real Estate Capital Houston, we’ll help you understand your eligibility, walk you through the process, and find the loan structure that best fits your goals.
We know Houston — its neighborhoods, its housing market, and what lenders look for when approving loans.
When you work with us, you’re not just filling out an application; you’re getting trusted advice from a local mortgage expert who genuinely cares about your success.
Our team is dedicated to:
Yes! First-time buyers can qualify for a conventional loan with as little as 3% down, depending on credit and income.
Only if your down payment is below 20%. The good news? PMI can be removed once you reach 20% equity.
Absolutely. Conventional loans can be used for investment and rental properties in addition to primary residences.
Conventional loans often work better for borrowers with strong credit and a larger down payment, while FHA loans help those with lower credit or smaller savings.
Most conventional loans close within 21–30 days, depending on documentation and appraisal turnaround.
“They made the loan process so easy!”
“I was nervous about buying my first home, but they walked me through everything and helped me understand all my options. I couldn’t have asked for a better experience.”
“Truly a partner in the process.”
“As a self-employed borrower, I was turned away by big banks. Real Estate Capital Houston found a Non-QM loan that fit perfectly. They really cared about finding a solution, not just making a sale.”
“Knowledgeable, patient, and reliable.”
“I’ve worked with other lenders before, but this team stood out. They explained every detail, answered all my questions, and delivered exactly what they promised. I’ll be coming back for my next property purchase.”
