Conventional Conforming and High Balance Mortgages

LENDERLINE® is currently offering conventional conforming and high-balance mortgages under the following guidelines:

  • The property must be located in the State of California.
  • Minimum 620 credit score.
  • Purchase or refinance.
  • Primary residence, second home or investment.
  • First-time home buyer OK.
  • Up to 97% loan-to-value for primary residence. See eligibility matrix.
  • Up to 85% loan-to-value for investment properties. See eligibility matrix.
  • W-2 wage earner or self-employed.
  • Borrower must be U.S. citizens or permanent residents with valid work authorization documents. No foreign nationals or undocumented ITIN workers are allowed under this program.
  • SFR, PUD, condos, townhomes and 2-4 units.
  • Late payments OK with automated underwriting approval.
  • Reserves determined by automated underwriting approval.
  • Up to 50% DTI with automated underwriting approval.
  • Loan limits are county-specific, click here for FNMA look-up.
  • Available as a 5/1 ARM, 7/1 ARM, 10/1 ARM or 30-year fixed rate.
  • No prepayment penalty.

To download underwriting guidelines
for our conventional loan program:

To download a loan application
for our conventional loan program:

LENDERLINE® is your conventional mortgage lender of choice. We offer the lowest 30 year fixed mortgage rate in the nation for a conventional loan.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.

    Edwin D.

    Los Angeles, CA