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There are two primary categories of conventional mortgages: Conforming: A conforming mortgage follows the guidelines put in place by Freddie Mac and Fannie Mae, including loan limits. Non-conforming: These mortgages include both вЂњjumbo loansвЂќ which exceed the loan limits imposed by government-backed agencies, niche products for unusual circumstances and riskier products that are much less common these days.
Why Choose a Conventional Loan. Most homebuyers choose conventional mortgages because they offer the best interest rates and loan terms-usually resulting in a lower monthly payment. And since most people choose a fixed-rate loan over an adjustable-rate mortgage, they don't have to worry about rising mortgage rates, which makes it easier personal loan for blacklist swasta budget.
What are Non-Conventional Loans. Examples of non-conventional loans include all government-backed loans and loans that do not meet Fannie Mae or Freddie MacвЂs requirements.
Government backed loans include the FHA, VA, or the USDA.