Forge Capital
Loan programs

Conventional

3% down · 620+ FICO

Conventional loans

Fannie Mae and Freddie Mac loans up to the 2026 conforming limit of $806,500. HomeReady and Home Possible pricing for eligible first-time buyers, and PMI that drops automatically at 80% LTV.

Program highlights

01

Loan limit
$806,500 one-unit conforming, higher for 2–4 units
Mortgage insurance
Cancels automatically at 80% LTV — no refinance needed
Occupancy
Primary, second home, and investment property all eligible
Gift funds
Allowed for the full down payment on primary residences

Who this fits

02

  • Buyers with a 620+ score who want the lowest long-run cost
  • First-time buyers using HomeReady or Home Possible pricing
  • Anyone who wants mortgage insurance that eventually goes away

How it closes

03

  1. 01

    Credit and income review with a Kentucky loan officer

  2. 02

    Full underwriting pre-approval, usually within one business day

  3. 03

    Appraisal ordered through the in-house panel

  4. 04

    Closing at a Forge Title table in your county