2025 Conventional Loan Requirements — Here’s What You Need to Qualify

0:00 Highlights
1:54 Minimum Down Payment
4:36 Who We Are
5:28 Pros and Cons
8:16 What Is Conventional
10:24 HomeReady/HomePossible
11:49 Closing Costs
16:14 Seller Credits
18:44 Proof Of Funds
21:10 Credit Score
24:37 Credit Issues
25:17 Interest Rates
28:56 Buydowns
35:34 Mortgage Insurance
36:40 Overlays
37:20 Example Home 1
39:35 Example Home 2
40:40 Loan Limits
41:49 Student Loans
43:46 Employment
46:05 Rent History Bonus
46:47 DTI & Affordability
50:41 Community Property
51:34 Max Price Calc
52:57 Property Types
53:13 ADUs
53:51 Occupancy Rules
55:46 Appraisal
57:26 Property Requirements
58:34 Appraisal Types
1:03:34 Rehab Options
1:03:55 House Hacking
1:05:46 Refinancing
1:07:32 Success Rate