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If you are fortunate to be an attractive borrower, then you might have the ability to obtain a loan at a lower cost and have it processed faster than with a government insured loan.
However, before you decide to apply for a conventional loan, make sure to speak with at least a few mortgage professionals.
Remember, each lender offers different rates, terms and fees, so it's best to receive a Loan Estimate (LE) prior to committing to one institution. This additional research will help you secure the best mortgage terms possible for your future home loan. What Is a Conventional Mortgage. A conventional mortgage is a home loan that isnt guaranteed best place for secured personal loan insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie Mac typically require down payments of at least 3.
Borrowers who put at least 20 down do not have to pay mortgage insurance premiums, which are typically required with FHA loans. Compare FHA and conventional mortgages.