Residential
High Balance Conventional in Fort Worth, TX
What is a High Balance Conventional? High Balance Conventional is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Fort Worth, TX.
Custom Mortgage arranges High Balance Conventional financing in Fort Worth, TX and across Tarrant County, including Sundance Square and TCU. Tarrant County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in Tarrant County at $323,900, $508,850 below that one-unit limit.
Median household income there is $84,207 and 59% of homes are owner-occupied (Census ACS 2024).
Key Facts About High Balance Conventional
CMRE Conventional Mortgages offer loan-to-value ratios up to 97%.
CMRE requires a minimum FICO score of 620 for conventional loans.
Conventional loans from CMRE cover single-family homes through 4-unit properties.
CMRE processes conventional loan applications in as few as 21 days.
PMI cancels automatically once equity reaches 20% on CMRE conventional loans.
CMRE High Balance Conventional offers competitive rates for qualified borrowers.
CMRE processes High Balance Conventional in 21-30 days from application.
CMRE offers cross-collateral options for High Balance Conventional.
Program Benefits
Expanded Loan Amounts: Finance properties exceeding standard conventional loan limits.
Competitive Interest Rates: Access attractive rates for high-balance mortgages.
Flexible Loan Terms: Choose from a variety of loan terms to fit your financial goals.
Lower Down Payment Options: Take advantage of down payment options as low as 3% (up to 97% LTV).
Avoid Jumbo Loan Restrictions: Sidestep some of the stricter requirements often associated with jumbo loans.
Ideal for High-Cost Areas: Perfect for purchasing homes in areas with higher average property values.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
50%
Loan Amount Range
Conforming loan limits to High Balance conforming loan limits
Amortization Options
Eligible Properties
- Single Family Residence
- Condominium
- Townhouse
- PUD (Planned Unit Development)
Program Requirements
Income Documentation
- •Stable and verifiable income history required.
- •Debt-to-income ratio (DTI) should be within acceptable limits.
- •Income documentation, such as pay stubs and tax returns, will be required.
Asset Verification
- •Sufficient assets to cover the down payment, closing costs, and reserves.
- •Verification of funds through bank statements and other financial documents.
- •Reserves typically required: 2-6 months of PITI (Principal, Interest, Taxes, Insurance).
Insurance & Title
- •Homeowner's insurance policy required to protect the property.
- •If applicable, flood insurance may be required.
- •Mortgage insurance may be required if the down payment is less than 20%.
Property Requirements
- •Minimum FICO score of 620 required.
- •A strong credit history demonstrating responsible borrowing behavior.
- •Review of credit report for any adverse credit events.
High Balance Conventional in Fort Worth: The Complete Guide
What Is High Balance Conventional?
High Balance Conventional loans bridge the gap between standard conforming loans and jumbo loans. They cater to borrowers in high-cost areas where property values exceed the standard conforming loan limits set by Fannie Mae and Freddie Mac, but still fall below the jumbo loan threshold. These loans offer a valuable financing option for those seeking to purchase homes in these competitive markets.
Who Qualifies for High Balance Conventional?
- •Income documentation varies: W-2, 1-Year Tax Return (Freddie Mac), bank statement, VOE-only, or P&L options available through CMRE.
- •Credit requirements depend on specific High Balance Conventional guidelines — CMRE evaluates your full profile.
- •Down payment assistance programs can be combined with High Balance Conventional for eligible borrowers.
- •Cross-collateral options: leverage existing property equity to reduce your down payment.
High Balance Conventional vs. Other Options
- •CMRE compares High Balance Conventional against FHA, VA, and other residential programs to find lowest total cost.
- •Factors: credit score, down payment, self-employment status, property type, ownership period.
- •For self-employed: CMRE's VOE-only and P&L programs may provide better qualification.
- •CMRE runs multiple scenarios and recommends the program with best long-term value.
Apply for High Balance Conventional with CMRE
- •Step 1: Pre-qualification online, by phone, or via Instant Advisor.
- •Step 2: Pre-approval with documentation — issued within 24 hours.
- •Step 3: Property search — CMRE coordinates with your agent.
- •Step 4: Processing and underwriting in 14-21 days.
- •Step 5: Closing in 21-30 days total from application.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Tarrant County
$1,843/mo
Based on $340,000 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Tarrant County
$2,380/mo
Based on $340,000 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Tarrant County at a glance
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $323,900
- Source: Census ACS 5-year, 2024
- Median household income
- $84,207
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 59%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 3.8
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: Tarrant County
Source: Redfin · 2026-01-31Median Sale Price
$340,000
Median List Price
$355,185
Price / Sq Ft
$177.936
Days on Market
66
Active Listings
5,483
Homes Sold
1,159
Sale-to-List Ratio
97.5%
2026 Conforming Loan Limits: TARRANT
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
High Balance Conventional in Fort Worth, TX
Tarrant County's Fort Worth market is the quieter, more grounded counterpart to Dallas across the metroplex. The median sale price of $340,000 is essentially flat year-over-year (down 0.7%), with 5,483 active listings and a 66-day average days on market — the fastest market velocity among our three major Texas counties. The 97.5% sale-to-list ratio reflects a market where pricing is accurate and concessions are modest, suggesting Tarrant is closer to equilibrium than either the elevated surplus in Harris or the inventory overhang in Travis.
Fort Worth's manufacturing, logistics, and defense employment base — anchored by Lockheed Martin, American Airlines, and a major BNSF Railway hub — creates stable, W-2-dominated income profiles that are highly bankable across conventional and FHA programs. The $806,500 conforming limit covers every Tarrant transaction with significant room to spare. New construction activity in Mansfield, Burleson, and Keller has added supply without crashing the market, creating a healthy equilibrium that benefits buyers and sellers alike.
Tarrant County's borrower base is predominantly blue- and white-collar W-2 employees tied to the county's manufacturing, transportation, and aerospace employment. Defense contractor employees from Lockheed, Bell Textron, and the Air Force Reserve at NAS Fort Worth generate steady conventional and VA purchase volume. The first-time homebuyer segment is proportionally larger here than in Dallas County, reflecting Tarrant's relative affordability and strong community college and vocational training infrastructure creating younger household formation.
Pair a conventional 5% down loan with a rate buydown on new construction — Fort Worth builders are actively funding buydowns to move standing inventory.
Service Areas & Neighborhoods
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200 Crescent Ct
Dallas, TX 75201
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About High Balance Conventional in Fort Worth
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). High Balance Conventional rates in Fort Worth vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The Tarrant County market has seen home prices fall 0.7% year-over-year — buyers currently have more leverage, but rate locks still protect you from market moves.
All residential neighborhoods in Fort Worth and Tarrant County qualify for High Balance Conventional through CMRE. The current median sale price in Tarrant County is $340,000, with homes averaging 66 days on market and prices down 0.7% year-over-year. Single-family homes, condos, townhomes, and 2-4 unit properties are eligible.
Yes. CMRE offers first-time homebuyer programs in Fort Worth including down payment assistance, 3% down conventional, and FHA 3.5% options. Texas buyers may also qualify for TSAHC or TDHCA down payment assistance programs.
See all High Balance Conventional questions and program details
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