Conventional Financing
Agency financing your borrowers already know — with WMB service behind it.
Fannie- and Freddie-eligible conforming and high-balance loans, with fast turn times and a Lock Desk that answers.
- Min FICO
- 620
- Max LTV
- Up to 97% (LPMI)
- Terms
- 10–30 yr fixed
- UW Fee
- $1,295
Full-doc agency financing, done fast
For borrowers who qualify on traditional income, WMB offers conforming and high-balance conventional loans built to Fannie Mae and Freddie Mac guidelines. Clean guidelines, competitive execution, and underwriting that typically turns in 1–2 business days.
Conventional — Conforming & High-Balance
Fixed terms of 10, 15, 20, 25, and 30 years, with high-balance available in 30- and 15-year fixed. Temporary buydowns (3-2-1, 2-1, and 1-0) are available.
Key guidelines
| Parameter | Guideline |
|---|---|
| Minimum FICO | 620 |
| Max LTV | Up to 95% (up to 97% with lender-paid MI) |
| Terms | 10 / 15 / 20 / 25 / 30-yr fixed; high-balance 15 & 30-yr |
| Buydowns | 3-2-1, 2-1, 1-0 |
| Occupancy | Primary, second home, investment |
| Guidelines | Per Fannie Mae / Freddie Mac |
| UW fee | $1,295 |
2026 conforming loan limits
| Units | Standard | High-Cost Areas |
|---|---|---|
| 1 | $832,750 | $1,249,125 |
| 2 | $1,066,250 | $1,599,375 |
| 3 | $1,288,800 | $1,933,200 |
| 4 | $1,601,750 | $2,402,625 |
Pricing & locks
For current pricing and to lock, contact your Account Executive or the Lock Desk at (714) 576-2152 (lockdesk@wmbankers.com).
What to submit
- Completed 1003
- Tri-merge credit report
- Income and asset documentation per agency guidelines
- Fully executed purchase contract (purchase transactions)
For use by licensed mortgage professionals only; not for distribution to consumers and not an advertisement for the extension of credit to consumers under Regulation Z, §226.2. This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and program guidelines, which are subject to change without notice. Fidelity Lending Solutions, Inc., a California Corporation, d.b.a. Wholesale Mortgage Bankers. 2650 East Imperial Hwy., Suite 110, Brea, CA 92821. Licensed under NMLS ID #922372, California DRE #01914566, Colorado, Florida #MLD2268, Georgia #922372, Washington CL-922372. Equal Housing Lender.