Traditional Home Loans
Conventional Loans
Buyers and homeowners with qualifying W-2 or documented income
Traditional Home Loans
Conventional Loans
Overview
Conventional loans remain the most common financing path for buyers with straightforward, well-documented income. QuestRock offers conventional purchase and refinance options alongside its specialty programs, so buyers with traditional income are never an afterthought.
Conventional guidelines generally allow a range of down-payment levels and property types, with final terms set by credit, income, and the specific loan scenario.
Documentation paths
- W-2s and pay stubs
- Tax returns where applicable
- Standard asset and credit documentation
Common use cases
- First-time and repeat buyers with W-2 income
- Rate/term refinance for existing conventional loans
Things to consider
- Conventional loans typically require private mortgage insurance below certain equity thresholds.
- Loan limits and requirements vary by county and property type.
Frequently asked questions
What credit score do I need for a conventional loan?
Credit requirements vary by lender overlay and specific loan scenario. A specialist can review your credit profile and discuss general expectations before a formal application.
Related programs
Next step
Ready to talk it through?
A QuestRock specialist can walk through this program against your specific scenario — no commitment required.
Eligibility and terms require full underwriting review; program guidelines are subject to change.
Written by QuestRock Content Team · Reviewed by Pending compliance sign-off · Last reviewed July 29, 2026