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The following are highlights of this program. You can use a conventional loan to buy a primary residence, second home, or rental property Conventional loans are available in fixed rates, adjustable rates (ARMs), 1stnb smart cash loan offer many loan terms usually from 10 to 30 years Down payments as low as 3 No monthly mortgage insurance with a down payment of at least 20 Lower mortgage insurance costs than FHA Mortgage insurance is cancelable when home equity reaches 20 Get Free Quote.
As Seen On. Mortgage expert Tim Lucas has been helping home owners for over 12 years. Conventional Refinance Rates, 2018 Loan Limits and Guidelines. A conventional refinance is the loan of choice for many homeowners in todays market.