Conventional Loans for First-Time Buyers | 3% Down + New Fannie Mae Rules (2026)

Описание: Conventional Loans are one of the most misunderstood mortgage programs — especially for first-time buyers. Most people believe Conventional Loans require 20% down or perfect credit, but that is no longer true.

If you want to know whether Conventional Loans are the right option for you under the new DU rules, I’m happy to run your numbers and build a clear plan.

📞 Call or Text: 805-857-3708
📧 Email: [email protected]

📅 Schedule a discovery call: https://calendly.com/alexvalorhf

In this video, I break down how Conventional Loans allow first-time buyers to purchase a home with only 3% down, and how the new Fannie Mae DU updates effective November 16, 2025 are changing how Conventional Loans are approved. If you’ve been told you “don’t qualify” for Conventional Loans, this video may completely change your strategy.

✅ What you’ll learn about Conventional Loans in this video:

How 3% down Conventional Loans really work

Who qualifies as a first-time buyer for Conventional Loans

How the new DU risk-based system evaluates Conventional Loans

Credit score myths surrounding Conventional Loans

Income, debt-to-income, and asset rules for Conventional Loans

How mortgage insurance works with Conventional Loans

When Conventional Loans are better than FHA

Gift funds and first-time buyer strategies using Conventional Loans

With Conventional Loans, mortgage insurance can be removed, payments are often lower long-term, and buyers gain more flexibility — especially under the updated Fannie Mae guidelines. These changes allow more borrowers than ever to qualify for Conventional Loans, even with imperfect credit profiles.


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