Conventional Loan Checklist
- ✓ Credit score 620+ (700+ for best rates)
- ✓ 2 years employment history (W-2 or self-employed)
- ✓ Down payment 3–20% sourced and seasoned
- ✓ DTI below 43–50%
- ✓ Loan amount at or below $832,750 (2026 Charlotte limit)
- ✓ Property meets Fannie/Freddie standards
- ✓ No major derogatory credit in last 2–4 years
Meet all of these and you’re in strong shape. Missing one? We review every option to find the best path forward. Get pre-approved for a conventional loan in Charlotte
