Conventional Loans in Irving, TX
Finance your Irving home with competitive conventional rates. Las Colinas to Valley Ranch—all within conforming limits.
Irving offers urban Las Colinas living to suburban family neighborhoods
Why Conventional Loans Work in Irving
Corporate Professionals
Irving's Fortune 500 workers often have strong credit profiles, qualifying for the best conventional rates.
Removable PMI
Unlike FHA, PMI drops at 78% LTV or by request at 80%. Corporate professionals build equity fast.
Las Colinas Condos
$806K conforming limit covers Las Colinas luxury. Urban living without jumbo loan complexity.
Airline Income Friendly
Conventional handles pilot/crew income well. Per diem and flight hours properly calculated.
Investment Options
Conventional works for rental properties. Build your Irving investment portfolio.
Diverse Price Points
From $230K South Irving to $800K Las Colinas—all within conforming limits.
Irving Conventional Down Payment Options
Conventional 97 for first-time buyers
$400K home = $12,000 down
PMI required until 20% equity
Balance of low entry & lower PMI
$500K home = $50-75K down
Reduced PMI, better rates
No PMI, best terms
$600K home = $120,000 down
Zero PMI, lowest rate tier
Irving Neighborhoods by Price
All Irving neighborhoods fall under the $832,750 conforming limit:
Las Colinas
Price Range: $300K-$900K
Loan Type: Conforming
Character: Urban core, walkable
Valley Ranch
Price Range: $350K-$650K
Loan Type: Conforming
Character: Master-planned
North Irving
Price Range: $320K-$550K
Loan Type: Conforming
Character: Near Coppell schools
West Irving
Price Range: $280K-$480K
Loan Type: Conforming
Character: Established families
South Irving
Price Range: $230K-$400K
Loan Type: Conforming
Character: Value-focused
Near DART Line
Price Range: $300K-$550K
Loan Type: Conforming
Character: Transit-oriented
Irving Conventional Loan Success Stories
"Both work in Las Colinas corporate. Wanted to walk to work. $620K condo, 20% down = no PMI. Emmett locked 6.0% during rate volatility. Las Colinas lifestyle is perfect for us."
February 2026
"Airline pilot at American. Emmett understood per diem and flight hour income perfectly. $520K Valley Ranch home with 15% down. 10 minutes to DFW—couldn't ask for more."
January 2026
Calculate Your Irving Payment
Compare 3%, 10%, and 20% down scenarios. See how PMI affects your payment.
Irving Conventional Loan Requirements
Basic Requirements
- 620+ credit score (740+ for best rates)
- 3-20% down payment
- 45% max debt-to-income ratio
- 2 years employment history
- Stable income documentation
- Property appraisal required
Irving-Specific Notes
- Dallas County conforming limit: $832,750
- Property taxes ~2.3% (factor into DTI)
- Airline/flight crew income accepted
- Las Colinas condo projects reviewed
- DART access valued in appraisals
- Corporate relocation packages welcome
Irving Conventional Loan FAQs
What is the conventional loan limit in Irving, TX for 2026?
The 2026 conforming conventional loan limit in Irving (Dallas County) is $832,750. This covers virtually all Irving homes, from South Irving starter homes to Las Colinas luxury condos.
Is Irving good for conventional loan buyers?
Excellent! Irving offers diverse price points all within conforming limits. Corporate professionals often have strong credit profiles that qualify for the best conventional rates.
Can airline workers get conventional loans in Irving?
Yes! Flight crew and airline workers near DFW Airport can qualify. Income verification includes base pay plus averaged per diem and flight hours. Emmett specializes in airline income.
Should I choose conventional or FHA in Irving?
With 680+ credit, conventional typically wins: removable PMI, higher loan limits, and potentially better rates. Irving's corporate professionals often qualify for excellent conventional terms.
Ready for Your Irving Conventional Loan?
Las Colinas urban or Valley Ranch suburban—let's find your perfect Irving home.