Conventional Loans in Spring, The Woodlands & Houston, TX

A conventional loan is the most common way to buy a home in Texas. It isn't backed by a government agency, and it follows Fannie Mae and Freddie Mac guidelines. Because I'm an independent broker, I can shop your conventional loan across multiple lenders to find the best combination of rate and costs for you.

Conventional Loan Highlights

Low down payment: as little as 3% down for qualified first-time buyers, and 5% down for repeat buyers.

Mortgage insurance you can remove: private mortgage insurance (PMI) can be removed once you reach 20% equity, and it ends automatically at 22%.

2026 loan limit: up to $832,750 for a single-family home in Harris and Montgomery counties.

Flexible property types: primary homes, second homes, and investment properties.

Who a Conventional Loan Fits Best

Conventional loans usually work best for buyers with a credit score of 620 or higher and steady, documented income. With good credit, a conventional loan is often cheaper over time than an FHA loan because PMI can be removed. If your credit is still building, I'll compare it side by side with an FHA option so you can see the real numbers.

Why Work With Game On Mortgage?

I'm Andrew Hooey, an independent mortgage broker based in Spring, TX. Instead of offering one bank's products, I shop your loan across multiple wholesale lenders and bring back the option that fits you best. Game On Mortgage has funded over $150 million in loans with a 97% customer satisfaction rate, and we serve buyers and homeowners across Spring, The Woodlands, and the greater Houston area.

Related loan programs:FHA Loans, First-Time Home Buyer Loans, Jumbo Loans. See all loan programs.

Fill out the form for a quick quote, or call me directly at (713) 446-2420.

Andrew Hooey, NMLS #1808045. Game On Mortgage, LLC, NMLS #2468752. Not a commitment to lend. All loans subject to credit approval, property eligibility, and program guidelines. Program terms and limits are subject to change.