{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.getloans.com\/tools\/for-realtors\/underwriting-rules\/#Article","mainEntityOfPage":"https:\/\/www.getloans.com\/tools\/for-realtors\/underwriting-rules\/","headline":"Loan Underwriting Rules","name":"Loan Underwriting Rules","description":"MORTGAGE\u00a0RULES\u00a0&\u00a0BASICS\u00a0(Rules may not apply in all scenarios, and may change at any time.) 1).\u00a0LOAN\u00a0LIMITS\u00a0&\u00a0DOWN\u00a0PAYMENTS: Conventional: 5% down on a 1 unit Conforming 5% down on a 1 unit Conforming High Balance 20%-25% down on a 2-unit Conforming owner-occupied (varies depending on loan size) 25% down on 3-4 units Conforming owner-occupied 20%-25% down for Investment Property, […]","datePublished":"2014-01-22","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.getloans.com\/blog\/author\/mkukoy\/#Person","name":"mkukoy","url":"https:\/\/www.getloans.com\/blog\/author\/mkukoy\/","identifier":3,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/11301590cf8244b467916a8bfa7d64acb86ee181216103e452784503c0f5bf52?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/11301590cf8244b467916a8bfa7d64acb86ee181216103e452784503c0f5bf52?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Person","name":"Brian Martucci","image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","width":400,"height":70}},"url":"https:\/\/www.getloans.com\/tools\/for-realtors\/underwriting-rules\/"}