: Required for high-priced properties exceeding conforming limits. Loan Structures :

These are the most common paths for buyers with stable income and established credit history.

: Follow limits set by Fannie Mae and Freddie Mac—now up to $832,750 in most areas for 2026.

: Typically offers a lower starting rate for 5–10 years before adjusting with market trends. 2. Government-Backed Programs