For licensed mortgage professionals only — not for distribution to consumers.

Conventional Financing

Agency financing your borrowers already know — with WMB service behind it.

Fannie- and Freddie-eligible conforming and high-balance loans, with fast turn times and a team that answers.

Min FICO: 620
Max LTV: 95%
Terms: 10–30 Yr Fixed
UW Fee: $1,295

Full-Doc Agency Financing, Done Fast

For borrowers who qualify on traditional income, WMB offers conforming and high-balance conventional loans built to Fannie Mae and Freddie Mac guidelines. Clean guidelines, competitive execution, and underwriting that typically turns in 1–2 business days.

Who It's a Fit For

Borrowers who document income the traditional way — W-2, paystubs, tax returns
Purchases and refinances on primary, second-home, and investment properties
Files that need high-balance limits in a high-cost county
Clean files that fit Fannie Mae / Freddie Mac and want the lowest-cost execution
Buyers using a temporary buydown to bridge a payment gap

Conventional — Conforming & High-Balance

Fixed terms of 10, 15, 20, 25, and 30 years, with high-balance available in 30- and 15-year fixed. Temporary buydowns are available — ask your Account Executive for the current structures and pricing.

Key Guidelines

Conventional Conforming & High-Balance Guidelines
Parameter	Guideline
Minimum FICO	620
Max LTV	Up to 95% (up to 97% with lender-paid MI)
Terms	10 / 15 / 20 / 25 / 30-yr fixed; high-balance 15 & 30-yr
Buydowns	Temporary buydowns available
Occupancy	Primary, second home, investment
Guidelines	Per Fannie Mae / Freddie Mac
UW Fee	$1,295

2026 Conforming Loan Limits

2026 Conforming Loan Limits
Units	Standard	High-Cost Areas
1	$832,750	$1,249,125
2	$1,066,250	$1,599,375
3	$1,288,800	$1,933,200
4	$1,601,750	$2,402,625

Program Highlights

Terms — 10, 15, 20, 25, and 30-year fixed; high-balance in 15- and 30-year fixed
Occupancy — primary, second home, and investment
Max LTV — up to 95%, and up to 97% with lender-paid MI
Min FICO — 620
Temporary Buydowns available
Guidelines — built to Fannie Mae / Freddie Mac
UW Fee — $1,295

What to Submit

Completed 1003
Tri-merge credit report
Income and asset documentation per agency guidelines
Fully executed purchase contract (purchase transactions)

Turn Times

Current published turn times. These are business days and reflect a complete submission — incomplete files reset the clock.

Published Turn Times by Stage
Stage	Turn Times
Loan Setup — Purchase	1 day
Loan Setup — Refinance	1 day
Underwriting — Purchase	1–2 days
Underwriting — Refinance	1–2 days
Condition Review	1–2 days (all programs)
Loan Docs	1–2 days
Funding	1–2 days

Pricing & Locks

For current pricing, contact your Account Executive or send an inquiry to submit@wmbankers.com.

Lock Policy

Lock Policy
Term	Policy
Lock Cut-Off	3:00 PM PST
30-Day Lock	Allowed once the loan is submitted to underwriting
15-Day Lock	Allowed once the loan is clear-to-close
Relock	Worst-case pricing + 0.250% fee, for 15 days
Lock Extension	2 days — 0.125% fee · 7 days — 0.250% fee
Max Extensions	2 (1 for Non-QM)
Early Payoff Penalty	180 days from the first payment due date

Terms are as published on the current rate sheet and are subject to change — always confirm against the live sheet before quoting.

Why Place Your Agency Loans with WMB

Dedicated Account Executive who answers fast
Common-Sense Exceptions reviewed case by case
Broker-Friendly Compensation options
Quick Turn Times — underwriting typically 1–2 business days

For use by licensed mortgage professionals only; not for distribution to consumers and not an advertisement for the extension of credit to consumers under Regulation Z, 12 CFR §1026.2. This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and program guidelines, which are subject to change without notice. Fidelity Lending Solutions, Inc., a California Corporation, DBA Wholesale Mortgage Bankers. 2650 East Imperial Hwy., Suite 110, Brea, CA 92821. Licensed under NMLS ID #922372 in Arizona, California, Colorado, Florida, Georgia, Nevada, Texas and Washington. Equal Housing Lender.