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Who shouldn’t take out a conventional loan?

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Who shouldn’t take out a conventional loan?

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People who can’t qualify for a conventional loan due to a low credit score or a high DTI ratio will need to seek more flexible options. For those with excellent credit, a conventional loan is generally the most cost-effective option — but if your credit just barely qualifies, it can pay to do a little more research. In some cases, an FHA loan may be cheaper.

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This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms, and conditions subject to change without notice. Certain restrictions may apply. All approvals subject to underwriting guidelines. Not all applicants will quialify. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, or age because all or part of your income may be derived from any public assistance program or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.