Conventional Loans
Conventional loans are the most popular mortgage type because they often carry lower interest rates and fewer fees. They're a great option for people with good credit and a larger down payment.
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- Up to 95% financing may be available with Private Mortgage Insurance (PMI)
- Usually requires less paperwork than government-backed loans
- Offers fixed and adjustable rate mortgage options
- Down payment of at least 20% if you want to avoid Private Mortgage Insurance (PMI)
- Some lenders may require a minimum credit score of 620
- Conforming loan limits can vary from county to county