Conventional Loans in Houston, TX
Houston's strong economy and affordable housing make conventional loans an excellent choice. Up to $832,750 with competitive rates, removable PMI, and flexible terms.
Houston's diverse housing stock fits conventional financing perfectly
Why Choose Conventional Loans in Houston?
Removable PMI
Unlike FHA, PMI automatically drops at 20% equity. Houston's appreciation helps you reach this faster.
Higher Loan Limits
$832,750 conforming limit vs $541,287 FHA. Perfect for Memorial, Bellaire, and West U homes.
Investment Properties
Conventional allows second homes and investment properties. Houston's rental market is strong.
Lower Long-Term Cost
With good credit, conventional beats FHA over time. No lifetime MIP means significant savings.
Flexible Terms
10, 15, 20, or 30-year terms. Fixed or ARM options. Customize to your Houston lifestyle.
Easier Condo Approval
More Houston condos qualify for conventional than FHA. Midtown, Montrose, Galleria options.
Houston Neighborhoods for Conventional Buyers
These established Houston communities fit perfectly within the $832,750 conforming limit:
Memorial
Price Range: $450K-$750K
Highlight: Top schools, established
Meyerland
Price Range: $400K-$650K
Highlight: Great location, renovated homes
West University
Price Range: $600K-$1.2M
Highlight: Elite schools, walkable
Bellaire
Price Range: $500K-$900K
Highlight: Inside the Loop, independent city
The Heights (Upper)
Price Range: $500K-$800K
Highlight: Historic charm, trendy
Garden Oaks
Price Range: $450K-$700K
Highlight: Tree-lined, charming
Houston Homeowners Share Their Stories
"As a physician at Texas Medical Center, I needed a loan that matched my income. Emmett got me a great rate on a conventional loan with 10% down. PMI is minimal and I'll have it removed within 2 years."
January 2026
"Relocating from Chicago, we appreciated Emmett's Houston market knowledge. We put 25% down on our Meyerland home and avoided PMI entirely. The rate was better than what our Chicago lender offered."
December 2025
Calculate Your Houston Conventional Payment
Compare scenarios: 3% down with PMI vs. 20% down without. See how Houston\'s appreciation affects your equity timeline.
Open CalculatorHouston Conventional Loan FAQs
What is the conforming loan limit in Houston for 2026?
The 2026 conforming loan limit in Houston (Harris County) is $832,750 for single-family homes. This is the standard limit for conventional loans backed by Fannie Mae or Freddie Mac.
Can I avoid PMI on a Houston conventional loan?
Yes! With 20% down ($153,310 on the max conforming loan), you avoid PMI entirely. Even with less, PMI automatically drops when you reach 20% equity. Houston's 6.2% annual appreciation helps you reach that threshold faster.
Which Houston neighborhoods suit conventional buyers?
Conventional loans work well in Memorial, Meyerland, West University, Bellaire, and upper Heights. These established neighborhoods have homes from $400K-$750K and strong appreciation. Newer construction in Katy and Pearland also fits well.
What credit score do I need for a Houston conventional loan?
Minimum 620 credit score for conventional loans, but 740+ gets the best rates. Houston's competitive market favors buyers with strong credit. I can help you understand your options at any credit level.
More Houston Loan Options
Ready for Your Houston Conventional Loan?
Whether you\'re buying in Memorial, refinancing in Meyerland, or investing in Houston rentals, let\'s discuss your conventional loan options.