Conventional Loans in Modesto, CA
Conventional loans follow Fannie Mae and Freddie Mac guidelines — the default lane for borrowers with stronger credit and stable income.
About Conventional loans
What this loan type means for Modesto buyers.
Stronger credit, stable income, standard property types. The default lane when nothing else applies.
Borrowers in Modesto, California can use Conventional financing for primary residences in most cases, subject to the 2026 loan limit applicable to California. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who Conventional loans are for in Modesto.
Conventional loans are the default lane for borrowers with established credit, documented income, and at least 3–5% down. They follow Fannie Mae and Freddie Mac guidelines, work for primary residences, second homes, and investment properties, and are typically the cheapest long-term option once you have 20% equity because private mortgage insurance can be removed.
