FLORIDA and ALABAMA #1 CHOICE DIRECT CONVENTIONAL LOANS LENDING & FINANCING. Also Conventional DPA Down Payment Assistance Home Loans.
Conventional Loans
EXERIENCE COUNTS choosing a mortgage Company for Conventional Mortgage loans Florida or Conventional Mortgage loans Alabama. Our Mortgage Loan advisors are experts in mortgage Loans. When looking for that Best Conventional Mortgage Broker Company consider this. Blissful Mortgage Conventional Loans do not come from one Conventional Mortgage Lender ( Not just one source). In fact we have many Lenders and options to choice from to fit your needs, this means low rates and fees. For Conventional Home loans, Conventional Second Home loans, Conventional Condo loans. Let our experienced mortgage advisors serve you.
Conventional Mortgage Rates Today
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All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value.
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Conventional Loans
21 YRS exp Mortgage Advisor in Conventional Loans Lending & Financing Florida and Alabama. Home loans, Second Home, Conventional Condo loans. Let our experienced mortgage advisors serve you.
Conventional Loan Limits 2026
For 2026 Conventional Loan limits for 2026 for most of Florida and Alabamais $832,750. In high-cost areas, this limit can go up to $1,249,125. These limits apply to Fannie Mae and Freddie Mac loans, with specific county variations, particularly in high-cost Florida coastal areas. For more info on go here Conventional Loan Limits. Apply today. When limits exceed conforming limits it falls into a Jumbo mortgage Loan.
- Baseline Limit (Most areas): $832,750
- High-Cost Areas (Maximum): Up to $1,249,125
- Multi-Unit Properties: Limits are higher for 2, 3, or 4-unit properties, which can also go up to $1,249,125
- Florida: While most counties follow the baseline limit, high-cost areas like Monroe County have historically had, and likely continue to have, higher limits (e.g., $967,150+ in 2025).
- Alabama: Generally follows the standard baseline limit of $832,750.
Conventional Loan Requirements
- Conv loan has a 620 minimum Mortgage FICO Score.
- When putting 3% down you get a reduced private mortgage insurance rate.
- For Incomes less than 80% Area Median Income –
- Primary home only.For incomes on loan application less than 50% of the area median income. – Primary home only. Get $2500 in closing cost assistance.
- For income on loan application less than 80% of the area median income. – Primary home only. Get $1250 in closing cost assistance.
- With 20% down no mortgage insurance.
- Can be used for Duplex – 15% Down.
- Also Triplex and Quadplex – 25% Down.
- Fannie and Freddie Mac have made changes to the Conventional Condo Loans so besides Conventional Condo loans we have many other options for Condo loans. For more information about conventional condo loans and more, go to our Condo Loans page for more info
- Debt-to-income ratio: Your debt-to-income ratio (DTI) is a percentage that represents how much of your monthly income goes to pay off debts. You can calculate your DTI by adding up the minimum monthly payments on all your debts (like student loans, auto loans and credit cards) and dividing it by your gross monthly income. For most conventional loans, your DTI must be 50% or lower.
DOWN PAYMENT ASSISTANCE CONV
The Conventional DPA is a great program. Let Blissful Mortgage Help you with are many lenders to get you the very best for you.
Conventional Loans DPA (Down Payment Assistance).
- Qualifying income is 80% or less than the Area Median Income for the property address. – 3% given to meet minimum down-payment requirement
- This Down-payment assistance is in the form of a subordinate soft second lien with a 0.00% interest rate. With a 5-year term, forgiven at month 61. Buyers(s) must remain current on their mortgage for the second mortgage to be forgiven.
- May be combined with up to 3% seller concessions for prepaids and closing costs.
- Minimum FICO of 620 for this Conv Loan type.
- Verification of rental history for previous 12 months required.
- Must receive automated underwriting system approval.
- For property types Single family, Townhome or Manufactured Home. (with permanent backing on skirting required) eligible.
- Designed for Conventional First time home buyers and repeat buyers allowed.
- Credit Smart Online Consulting Course required. Login (freddiemaclearning.com)
- Additional financial standards apply. Must show buyers have met stability of employment and income. By managing their finances and savings to a budget that exhibits responsible repayment patterns and a satisfactory credit history.
- Calculate Custom Payments.
- View Loan Status.
- Upload Docs.
- Stay In Contact Message Center.
- Status Updates For All Parties.
- Apply On Your Phone.
- Snap Photos Of Docs on Phone.
- Issue Your Own Pre-Qual Letter
FLORIDA MORTGAGE BROKER/LENDER SPECIALIST. SERVICE SPECIALIZED LOCATIONS CONVENTIONAL LOANS LENDING & FINANCING
FLORIDA CONVENTIONAL LOANS LENDING & FINANCING
NORTHWEST FLORIDA
NORTHWEST FLORIDA Escambia Co and Santa Rosa Co Pensacola beach Fl, Milton Fl, Perdido Key Fl and Gulf Breeze Fl. Next is Okaloosa Co and Walton Co Navarre Beach Fl, Ft Walton Beach Fl, Destin Fl and 30A Fl. Also DeFuniak Fl, Freeport Fl and Miramar Beach Fl. Including Bay Co Panama City FL, Mexico Beach Fl and Chipley Fl. Also Washington Co, Jackson Co and Gulf Co Port St Joe Fl. Franklin Co Cape San Blas Fl, St George Island Fl and Carrabelle Fl. Finally Leon Co Tallahassee Fl. CONVENTIONAL MORTGAGE LOANS for the whole state of FLORIDA. We are the CONVENTIONAL HOME LOANS specialist for Florida
NORTH FLORIDA
NORTH FLORIDA Nassau Co, Duval, Clay Co and Saint Johns Co Jacksonville Beach Fl, St Augustine FL and Fernandina Beach Fl. Includes Marion Co and Lake Co The villages Fl and Ocala FL. With Putnam Co Palatka Fl. Alachua Co High Springs Fl and Gainesville Fl. CONVENTIONAL MORTGAGE HOME LOANS.
CENTRAL FLORIDA
CENTRAL FLORIDA Includes Flagler Co and Volusia Co Daytona Beach Fl, Ormond Beach Fl, Smyrna Beach Fl, and Palm Coast Fl. Also Orange Co, Osceola Co and Polk Co Orlando Fl, Clermont Fl. Winter Haven Fl, Poinciana Fl, Kissimmee Fl, Sanford Fl and Deltona Fl. Along with Pinellas Co Clearwater Beach Fl, Indian Rocks Beach Fl, Indian Shores Fl, North Redington Beach Fl, Maderia Beach Fl and Treasure Island Fl. Next is Hillsborough Co Tampa Fl, Lakeland Fl, St Petersburg Fl, St Pete Beach Fl and Palm Harbor Fl, Including Brevard Co Melbourne Fl, Melbourne beach Fl, Cape Canaveral Fl, Cocoa Beach Fl, Port St John Fl, Fort Pierce Fl, Merritt Island Fl and Satellite Beach Fl. CONVENTIONAL MORTGAGE HOME LOANS.
SOUTH FLORIDA
SOUTH FLORIDA Manatee Co, Sarasota Co Longboat Key Fl, Venice Fl, North Port Fl, Bradenton Fl, Sarasota Fl and Port Charlotte Fl. With Charlotte Co and Lee Co Fort Myers Fl, Lehigh Acres Fl, Punta Gorda Fl and Bonita Springs Fl. Plus Collier Co Naples Fl and Marco Island Fl. Plus Monroe Co Key Largo Fl, Tavernier Fl, Islamorada Fl, Marathon Fl and Key West Fl. Miami-Dade Co Miami Fl, Gables Fl, Sunrise Fl and Hialeah Fl. Next Broward Co Hollywood Fl, Fort Lauderdale Fl, Pompano Beach Fl, Miramar Fl and Coral Springs. Lastly Martin Co and Saint Lucie Co Boca Raton Fl, Delray Beach Fl, Boynton Beach Fl, West Palm Beach Fl, Jupiter Fl and Palm Beach Shores Fl. Finally Riviera Beach Fl, Port Saint Lucie Fl, Vero Beach Fl and Jensen Beach Fl. Finally Indian River Co Indian River Shores Fl and Sebastian Fl. CONVENTIONAL MORTGAGE HOME LOANS
ALABAMA MORTGAGE BROKER/LENDER SPECIALIST. SERVICE SPECIALIZED LOCATIONS CONVENTIONAL LOANS LENDING & FINANCING
ALABAMA CONVENTIONAL LOANS LENDING & FINANCING
Baldwin Co Gulf Shores AL, Orange Beach AL, Foley AL, Fort Morgan AL, Plus Dauphin Island AL Fairhope AL, Daphne AL and Spanish Fort AL. Houston Co Dothan AL. Montgomery Co Montgomery AL Lee Co Auburn AL. Clanton Co Clanton AL. Shelby Co Alabaster AL. Autauga and Elmore Co Prattville AL Jefferson and St Clair Co Birmingham AL, Trussville AL. Lee Co and Russell Co Phenix City AL Columbus AL. Tuscaloosa Co Tuscaloosa AL Madison Co Huntsville AL Morgan Co Decatur AL Marshall Co Guntersville AL, Harestelle AL, Center AL, Homewood Al, Alexander City AL, Dadeville AL, Hoover AL, Athens AL, Wetumpka AL, Vestavia AL, Pell City AL, Vestavia Hills AL. CONVENTIONAL LOANS for the whole state of ALABAMA.
CONVENTIONAL LOANS, ALABAMA COUNTIES
ALABAMA COUNTIES Autauga County, Baldwin County, Barbour County, Bibb County, Blount County, Bullock County, Butler County, Calhoun County, Chambers County, Cherokee County, Chilton County, Choctaw County, Clarke County, Clay County, Cleburne County, Coffee County, Colbert County, Conecuh County, Coosa County, Covington County, Crenshaw County, Cullman County, Dale County, Dallas County, DeKalb County, Elmore County, Escambia County, Etowah County, Fayette County, Franklin County, Geneva County, Greene County, Hale County, Henry County, Houston County, Jackson County, Jefferson County, Lamar County, Lauderdale County, Lawrence County, Lee County, Limestone County, Lowndes County, Macon County, Madison County, Marengo County, Marion County, Marshall County, Mobile County, Monroe County, Montgomery County, Morgan County, Perry County, Pickens County, Pike County, Randolph County, Russell County, Shelby County, St. Clair County, Sumter County, Talladega County, Tallapoosa County, Tuscaloosa County, Walker County, Washington County, Wilcox County, Winston County, CONVENTIONAL LOANS